Chartered Institute of Credit Management · RQF Level 2
CICM Level 2 Diploma in Money and Debt Advice
You don’t just earn this. You learn to use it, one-to-one, on your own real work.
- LevelRQF Level 2
- Total credits37
- Guided learning192 hours
- Units in this qualification74
Awarded by Chartered Institute of Credit Management · on the Ofqual register
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What you’ll learn
What each unit actually teaches you to do
Achieve a globally recognised Money and Debt Advice Qualification by the Chartered Institute of Credit Management.
These are the units Chartered Institute of Credit Management registers against this qualification. It is a catalogue, not a syllabus. Which of them you take depends on the combination the qualification requires, and that is set by the awarding body rather than by us. Every unit here is regulated, and every one you earn is yours to keep.
Applied Business Communications and Personal SkillsReal unit · Chartered Institute of Credit Management
You'll study various communication methods used in business and evaluate their effectiveness. The unit covers selecting appropriate communication styles and developing personal communication skills to enhance business interactions.
What you'll be able to do
- Understand different communication methods used in a business environment
- Understand the importance of effective communication in a business environment
- Understand how to adapt communication style to suit different audiences
- Understand how to evaluate the effectiveness of own business communications
- Understand how to identify areas for improvement in own communication skills
- Apply effective verbal communication skills in the business environment
- Apply effective written communication skills in the business environment
- Demonstrate effective personal skills, such as teamwork and problem-solving, in the business environment
Business Solutions through Creative ThinkingReal unit · Chartered Institute of Credit Management
This unit explores creative thinking techniques and their application in identifying business improvement opportunities and solutions. You'll understand how workplace context influences creative problem solving and develop skills to apply creative thinking in a business environment.
What you'll be able to do
- Understand a range of creative thinking techniques that can be used to identify opportunities for business improvement
- Understand how creative thinking techniques can be used to develop solutions to business problems
- Know how organisational culture can influence creative thinking and problem solving
- Know how team dynamics can influence creative thinking and problem solving
- Apply creative thinking techniques to identify business opportunities
- Apply problem solving skills to address challenges in the business environment
- Evaluate the effectiveness of creative thinking and problem solving approaches
Business Solutions through Creative ThinkingReal unit · Chartered Institute of Credit Management
You'll understand how creative thinking techniques can identify opportunities and solutions in business contexts. The unit covers the influence of workplace culture on creativity and develops skills to apply creative problem-solving in business environments.
What you'll be able to do
- Understand how creative thinking techniques can be utilised to identify opportunities and develop solutions for business challenges.
- Know how the workplace context, including organisational culture and resources, influences creative thinking and problem-solving processes.
- Apply creative thinking and problem-solving skills effectively in a business environment to address specific issues and improve performance.
Cash CollectionsReal unit · Chartered Institute of Credit Management
You'll be equipped to implement systematic procedures for collecting customer payments in line with organisational policies. The unit also covers maintaining accurate records and evaluating personal work performance against set targets.
What you'll be able to do
- Implement systematic procedures to collect customer payments effectively
- Evaluate own work performance against set targets and standards
- Evaluate own personal performance, identifying areas for improvement
Cash CollectionsReal unit · Chartered Institute of Credit Management
You'll follow systematic procedures for collecting customer payments, including verifying account details and issuing timely payment requests. The unit also covers evaluating personal performance and handling customer queries professionally.
What you'll be able to do
- Follow a systematic process for collecting customer payments
- Use appropriate communication techniques when collecting payments
- Handle customer queries and complaints effectively
- Maintain accurate records of payment collections
- Evaluate their personal performance in collecting customer payments
- Identify areas for improvement in their cash collection techniques
Collections Team ManagementReal unit · Chartered Institute of Credit Management
You'll understand the role and management of cash collections within an organisation. The unit covers developing, implementing, monitoring, and reviewing plans to improve cash collection processes, including the use of key performance indicators.
What you'll be able to do
- Understand the role of cash collections within an organisation.
- Understand how to effectively manage cash collections processes.
- Develop a plan to improve cash collections processes within a specific context.
- Implement, monitor, and review plans to achieve specified improvements to cash collections processes.
Collections Team ManagementReal unit · Chartered Institute of Credit Management
This unit develops learners' understanding of cash collections within an organisation, including their role and impact on financial stability and business performance. You'll be able to develop, implement, monitor, and review plans to improve cash collection processes.
What you'll be able to do
- Understand the role of cash collections within an organisation, including its importance to financial stability and overall business performance.
- Understand how to effectively manage cash collections processes, including setting targets, monitoring performance, and addressing challenges.
- Develop a plan to improve cash collections processes, identifying areas for improvement and outlining specific actions to be taken.
- Implement, monitor, and review plans to achieve specified improvements to cash collections processes, evaluating the effectiveness of interventions and making adjustments as needed.
Court Procedures and Enforcement Advice PracticeReal unit · Chartered Institute of Credit Management
This unit equips learners to advise clients on court procedures for personal debt collection within the legal and regulatory framework. You'll understand enforcement impacts and the importance of providing accurate, tailored advice.
What you'll be able to do
- Advise on court procedures for the collection of personal debt.
- Advise on the impact of enforcement methods.
- Reflect on performance in relation to the delivery of advice on court procedures and enforcement.
Court Procedures and Enforcement Advice PracticeReal unit · Chartered Institute of Credit Management
It teaches you to advise clients on court procedures for personal debt collection, referencing current legislation. You'll understand the impact of enforcement methods and reflect on their performance in delivering advice on court procedures and enforcement.
What you'll be able to do
- Advise clients on court procedures for the collection of personal debt, in line with current legislation
- Advise clients on the impact of enforcement methods, explaining the potential consequences
- Reflect on performance in relation to the delivery of advice on court procedures and enforcement, identifying areas for improvement
Court Procedures and Enforcement Advice PrinciplesReal unit · Chartered Institute of Credit Management
This unit provides learners with knowledge of court procedures related to personal debt collection, including the role of courts, required documentation, and enforcement methods. You'll be able to advise on court processes and their implications.
What you'll be able to do
- Understand how to advise individuals on court procedures related to the collection of personal debt
- Understand how to explain the various stages involved in court procedures for debt collection
- Understand how to advise individuals on the potential impact of different enforcement methods used to recover debt
- Understand how to explain the implications of enforcement methods to debtors
Court Procedures and Enforcement Advice PrinciplesReal unit · Chartered Institute of Credit Management
This unit covers court procedures and enforcement methods related to personal debt collection. You'll understand different court processes, potential outcomes, and how to advise individuals clearly on these procedures and their implications.
What you'll be able to do
- Understand how to advise individuals on court procedures for the collection of personal debt, explaining the processes and potential outcomes clearly and accurately.
- Understand how to advise individuals on the impact of different enforcement methods available for debt collection, outlining the potential consequences and implications.
Credit Application ProcessingReal unit · Chartered Institute of Credit Management
You'll learn to process credit applications accurately, verify information, and maintain customer records in compliance with organisational procedures and regulatory requirements. The unit also includes evaluating personal and work performance in credit application processing.
What you'll be able to do
- Process credit applications accurately and efficiently, adhering to organisational procedures and regulatory requirements.
- Set up and maintain customer records, ensuring data accuracy, security, and compliance with relevant legislation.
- Evaluate own work and personal performance in relation to credit application processing and customer record management, identifying areas for improvement and professional development.
Credit Application ProcessingReal unit · Chartered Institute of Credit Management
It teaches you to accurately process credit applications, maintain customer records in compliance with data protection, and evaluate their own performance. You'll understand the importance of verifying information and following established procedures.
What you'll be able to do
- Process credit applications accurately and efficiently, following established procedures.
- Set up and maintain customer records, ensuring data integrity and compliance with data protection regulations.
- Evaluate their work and personal performance, identifying areas for improvement and development.
Credit Risk AssessmentReal unit · Chartered Institute of Credit Management
This unit develops learners' skills in establishing credit facilities and reviewing ongoing trading relationships. You'll assess customer creditworthiness, determine credit limits and terms, and evaluate work and personal performance related to credit management.
What you'll be able to do
- Establish credit facilities for customers
- Review on-going trading relationships with customers
- Evaluate own work performance
- Evaluate own personal performance
Credit Risk AssessmentReal unit · Chartered Institute of Credit Management
This unit covers establishing credit facilities in line with organisational policies, reviewing ongoing trading relationships, and assessing creditworthiness. You'll also evaluate their work and personal performance in managing credit risk.
What you'll be able to do
- Establish credit facilities in accordance with organisational policies and procedures
- Review on-going trading relationships to identify and manage potential risks
- Evaluate own work and personal performance to identify areas for improvement
Customer Relations and Cash CollectionReal unit · Chartered Institute of Credit Management
This unit covers principles of effective customer relations management in cash collection, focusing on building rapport, communication, and complaint handling. You'll learn to manage relationships and minimise damage to customer goodwill.
What you'll be able to do
- Understand the principles of effective customer relations management in the context of cash collection
- Understand how to minimise damage to customer goodwill when resolving cash collection problems
- Organise and manage relationships with customers in relation to cash collection activities
- Demonstrate effective relationship management skills when dealing with customers regarding cash collection
- Reflect on own practice in relationship management and identify areas for improvement in cash collection scenarios
Customer Relations and Cash CollectionReal unit · Chartered Institute of Credit Management
This unit focuses on effective customer relations management in cash collection, emphasising maintaining customer goodwill. You'll learn to organise and manage relationships and demonstrate skills to resolve cash collection problems empathetically.
What you'll be able to do
- Understand the principles of effective customer relations management to resolve cash collection problems while minimising damage to customer goodwill
- Organise and manage relationships with customers in relation to cash collection activities
- Demonstrate effective relationship management skills in relation to cash collection based on reflective practice and feedback
Debt Collection Case Management Practice _pre legal_Real unit · Chartered Institute of Credit Management
This unit provides learners with the ability to monitor debt collection procedures, liaise with relevant parties, and prepare documentation to support legal proceedings. You'll manage debt collection cases effectively within organisational frameworks.
What you'll be able to do
- Monitor the progress of debt collection procedures
- Liaise with relevant parties in relation to debt collection
- Prepare documentation to support the commencement of legal proceedings
- Prepare evidence to support the commencement of legal proceedings
Debt Collection Case Management Practice _pre legal_Real unit · Chartered Institute of Credit Management
This unit develops learners' ability to monitor debt collection procedures, liaise with relevant parties, and prepare documentation to support legal proceedings. It includes ensuring compliance with timescales and legal requirements while maintaining accurate records.
What you'll be able to do
- Monitor the progress of debt collection procedures, ensuring adherence to agreed timescales and legal requirements.
- Liaise with relevant parties, including debtors, creditors, and internal departments, in relation to debt collection activities.
- Prepare accurate and comprehensive documentation and evidence to support the commencement of legal proceedings for debt recovery.
Debt Collection Case Management Principles _pre legal_Real unit · Chartered Institute of Credit Management
This unit covers debt collection case management principles before legal action, including administration, record keeping, data protection, and compliance. You'll also learn to liaise with relevant parties and prepare documentation to support legal proceedings.
What you'll be able to do
- Understand the principles of debt collection administration, including record keeping, data protection, and compliance requirements
- Understand how to liaise with relevant parties in relation to debt collection, such as debtors, creditors, and legal representatives
- Understand how to prepare documentation and evidence to support the commencement of legal proceedings, ensuring accuracy and completeness
Debt Collection Case Management Principles _pre legal_Real unit · Chartered Institute of Credit Management
You'll understand debt collection administration principles, relevant legislation, and effective communication with involved parties. The unit covers preparing documentation and evidence to support legal proceedings in debt collection.
What you'll be able to do
- Understand the fundamental principles of debt collection administration, including relevant legislation and regulations.
- Understand how to effectively liaise with relevant parties, such as debtors, creditors, and legal representatives, in relation to debt collection activities.
- Understand how to prepare accurate and comprehensive documentation and evidence to support the commencement of legal proceedings for debt recovery.
Debt Collection Negotiations PracticeReal unit · Chartered Institute of Credit Management
It teaches you to negotiate debt collection effectively by making appropriate contact with debtors, assessing their ability to pay, recording and investigating disputes, and negotiating repayment solutions while adhering to relevant legislation and organisational policies.
What you'll be able to do
- Make initial contact with the debtor in an effective and appropriate way, adhering to relevant legislation and organisational policies.
- Establish if a debtor is able to make full and immediate payment, using appropriate questioning techniques and active listening skills.
- Record and, where appropriate, investigate disputes raised by the debtor, following organisational procedures.
- Negotiate realistic and sustainable repayment solutions with debtors, taking into account their individual circumstances and financial capabilities.
Debt Collection Negotiations PracticeReal unit · Chartered Institute of Credit Management
This unit develops learners' skills in making professional contact with debtors, assessing their ability to pay, recording disputes, and negotiating repayment solutions. Emphasis is placed on effective communication and active listening during debt collection calls.
What you'll be able to do
- Make initial contact with the debtor in a professional, effective and appropriate manner
- Use appropriate communication techniques when contacting debtors
- Establish the debtor's current financial circumstances and ability to make full and immediate payment
- Accurately record details of any disputes raised by the debtor
- Investigate disputes thoroughly and efficiently
- Negotiate realistic and sustainable repayment solutions with debtors
- Document agreed repayment solutions clearly and accurately
Debt Collection Negotiations PrinciplesReal unit · Chartered Institute of Credit Management
This unit provides knowledge of effective debtor contact methods, considering communication choice and timing. You'll understand how debtor profiles impact collection processes, including recording and investigating disputes and negotiating repayment solutions.
What you'll be able to do
- Make contact with the debtor in an effective and appropriate way, considering communication methods and timing.
- Understand the impact of a debtor’s profile on the collection process, including their financial situation and vulnerability.
- Record and, where appropriate, investigate any disputes raised by the debtor, following organisational procedures.
- Negotiate repayment solutions with debtors, considering their ability to pay and available options.
Debt Collection Negotiations PrinciplesReal unit · Chartered Institute of Credit Management
You'll learn to make effective contact with debtors, understand debtor profiles' impact on collection, investigate disputes, and negotiate repayment solutions. The unit emphasises adherence to ethical and legal guidelines throughout the collection process.
What you'll be able to do
- Make contact with the debtor in an effective and appropriate way, adhering to ethical and legal guidelines.
- Understand the impact of a debtor’s profile on the collection process, including factors such as vulnerability and financial circumstances.
- Record and where appropriate, investigate any disputes raised by the debtor, following established procedures.
- Negotiate repayment solutions with debtors, aiming for mutually acceptable outcomes.
Debt Collection Operations Management PracticeReal unit · Chartered Institute of Credit Management
It teaches you to maintain compliant debt collection processes, train and support employees, and implement process improvements. You'll understand legal and ethical guidelines, data protection, and confidentiality in debt collection operations.
What you'll be able to do
- Maintain effective debt collection processes, ensuring compliance with legal and ethical guidelines.
- Train and support employees in debt collection operations, promoting best practice and continuous improvement.
- Implement improvements following a review of debt collection processes, enhancing efficiency and effectiveness.
Debt Collection Operations Management PracticeReal unit · Chartered Institute of Credit Management
You'll gain knowledge to maintain effective debt collection processes in line with legislation and regulations. The unit includes training and supporting employees and implementing improvements based on process evaluation and feedback.
What you'll be able to do
- Maintain effective debt collection processes, ensuring compliance with relevant legislation and regulations.
- Train and support employees involved in debt collection, ensuring they have the necessary skills and knowledge.
- Implement improvements following a review of processes, based on data analysis and feedback.
Debt Collection Operations Management PrinciplesReal unit · Chartered Institute of Credit Management
This unit provides learners with knowledge of maintaining effective and compliant debt collection processes. You'll understand how to train and support employees and review processes to implement improvements.
What you'll be able to do
- Understand how to maintain effective debt collection processes, ensuring compliance with regulations
- Understand how to train and support employees involved in debt collection, promoting best practice
- Understand how to review debt collection processes and implement improvements, enhancing efficiency and effectiveness
Debt Collection Operations Management PrinciplesReal unit · Chartered Institute of Credit Management
You'll understand debt collection operations management principles, including maintaining compliant processes, training employees, reviewing performance indicators, and implementing improvements to enhance effectiveness.
What you'll be able to do
- Understand how to maintain effective debt collection processes within an organisation
- Understand how to train and support employees involved in debt collection activities
- Understand how to review existing debt collection processes to identify areas for improvement
- Understand how to implement improvements to debt collection processes to enhance efficiency and effectiveness
Debt Prioritisation and Collections Process Advice PracticeReal unit · Chartered Institute of Credit Management
You'll develop the ability to advise individuals on prioritising debts and understanding common debt collection processes. The unit includes creating debt prioritisation plans and reflecting on the delivery of advice to improve practice.
What you'll be able to do
- Advise individuals on effective strategies for prioritising their debts
- Advise individuals on common debt collection processes and procedures
- Reflect on own performance in delivering debt prioritisation and collections process advice, identifying areas for development
Debt Prioritisation and Collections Process Advice PracticeReal unit · Chartered Institute of Credit Management
This unit provides learners with skills to advise individuals on debt prioritisation and common collection processes. You'll tailor advice to individual circumstances and reflect on their delivery of debt prioritisation and collections guidance.
What you'll be able to do
- Advise people on how to prioritise their debts based on their individual circumstances and legal obligations.
- Advise people on common debt collection processes, explaining their rights and responsibilities.
- Reflect on their delivery of debt prioritisation and collections process advice, identifying areas for improvement in communication and support.
Debt Prioritisation and Collections Process Advice PrinciplesReal unit · Chartered Institute of Credit Management
You'll gain an understanding of debt prioritisation based on legal and financial obligations and how to advise individuals on common debt collection processes. The unit covers practical methods to assist clients in managing their debts.
What you'll be able to do
- Understand how to help people prioritise their debt, based on legal and financial obligations
- Understand how to advise people on common debt collection processes, explaining their rights and responsibilities
Debt Prioritisation and Collections Process Advice PrinciplesReal unit · Chartered Institute of Credit Management
This unit focuses on helping individuals prioritise debts based on legal status and consequences, assessing personal circumstances, and advising on common debt collection processes. You'll develop strategies to support effective debt repayment management.
What you'll be able to do
- Understand how to help people prioritise their debt effectively, taking into account their individual circumstances.
- Understand how to advise people about common debt collection processes, including their rights and responsibilities.
Debt RecoveryReal unit · Chartered Institute of Credit Management
You'll gain skills to manage debt recovery procedures following organisational policies and legal requirements. The unit also includes documenting actions taken and evaluating personal performance to identify areas for improvement.
What you'll be able to do
- Manage debt recovery procedures in accordance with organisational policies and legal requirements
- Evaluate own work performance against set targets and standards
- Evaluate own personal performance, identifying areas for improvement
Debt RecoveryReal unit · Chartered Institute of Credit Management
You'll learn to manage debt recovery procedures in accordance with legal and ethical guidelines. The unit covers implementing recovery strategies, maintaining accurate records, and identifying risks and challenges in the debt recovery process.
What you'll be able to do
- Manage debt recovery procedures effectively, ensuring compliance with legal and ethical guidelines.
- Evaluate own work and personal performance in relation to debt recovery activities, identifying areas for development and improvement.
Debt Repayment Monitoring PracticeReal unit · Chartered Institute of Credit Management
It teaches you to monitor debtor accounts effectively, identify overdue payments and irregularities, respond appropriately to non-payment, and safeguard repayment arrangements through communication and negotiation.
What you'll be able to do
- Review debtor accounts to identify potential issues and irregularities
- Respond appropriately to instances of non-payment from debtors
- Monitor debtor accounts regularly to safeguard existing repayment arrangements
Debt Repayment Monitoring PracticeReal unit · Chartered Institute of Credit Management
It teaches you to review debtor accounts, monitor repayment schedules, identify non-payment, and instigate appropriate actions. You'll learn to safeguard repayment arrangements through effective account monitoring.
What you'll be able to do
- Review debtor accounts to determine the status of repayments.
- Instigate appropriate action in response to instances of non-payment, in line with organisational procedures.
- Monitor debtor accounts to safeguard repayment arrangements and identify potential issues.
Debt Repayment Monitoring PrinciplesReal unit · Chartered Institute of Credit Management
You'll understand how to review debtor accounts, instigate appropriate actions in response to non-payment, and monitor accounts to safeguard repayment arrangements. The unit emphasises accurate record-keeping and responsive account management.
What you'll be able to do
- Understand how to review debtor accounts.
- Understand how to instigate action in response to non-payment.
- Understand how to monitor debtor accounts to safeguard repayment arrangements.
Debt Repayment Monitoring PrinciplesReal unit · Chartered Institute of Credit Management
You'll understand the principles of debt repayment monitoring, including reviewing debtor accounts and instigating action in response to non-payment. The unit covers monitoring techniques to safeguard repayment arrangements and maintain effective account management.
What you'll be able to do
- Understand how to review debtor accounts, taking into consideration relevant information and documentation.
- Understand how to instigate appropriate action in response to non-payment, in line with organisational procedures and legal requirements.
- Understand how to monitor debtor accounts to safeguard repayment arrangements, ensuring adherence to agreed terms and conditions.
Debtor Call Handling PracticeReal unit · Chartered Institute of Credit Management
This unit equips learners with skills to plan and conduct inbound and outbound telephone calls with debtors. It includes using appropriate communication techniques, adhering to regulations, and accurately recording call details in line with organisational standards.
What you'll be able to do
- Plan outbound telephone calls with debtors, considering the purpose of the call and the information required.
- Conduct inbound and outbound telephone calls with debtors, using appropriate communication techniques and adhering to relevant regulations.
- Record details of inbound and outbound telephone calls with debtors accurately and completely, in accordance with organisational procedures.
Debtor Call Handling PracticeReal unit · Chartered Institute of Credit Management
You'll learn to plan and conduct inbound and outbound telephone calls with debtors, using effective communication techniques. The unit also covers accurate recording of call details and outcomes, ensuring adherence to relevant procedures and policies.
What you'll be able to do
- Plan outbound telephone calls with debtors, preparing relevant information and identifying key objectives for the call.
- Conduct inbound and outbound telephone calls with debtors, using effective communication skills and adhering to relevant legislation and organisational policies.
- Accurately record the details and outcomes of inbound and outbound telephone calls with debtors, using appropriate systems and processes.
Debtor Call Handling PrinciplesReal unit · Chartered Institute of Credit Management
This unit provides knowledge on planning and conducting telephone calls with debtors, including preparing relevant information, setting objectives, using appropriate communication techniques, and recording call details in line with organisational procedures.
What you'll be able to do
- Plan outbound telephone calls with debtors, including preparing relevant information and objectives
- Conduct inbound and outbound telephone calls with debtors, using appropriate communication techniques
- Accurately record details of inbound and outbound telephone calls with debtors, adhering to organisational procedures
Debtor Call Handling PrinciplesReal unit · Chartered Institute of Credit Management
You'll gain knowledge of debtor call handling principles, including planning and conducting inbound and outbound telephone calls. The unit also covers accurate recording of call information to support effective communication with debtors.
What you'll be able to do
- Plan outbound telephone calls with debtors
- Conduct inbound telephone calls with debtors
- Conduct outbound telephone calls with debtors
- Record inbound telephone calls with debtors
- Record outbound telephone calls with debtors
General Money and Debt Advice PracticeReal unit · Chartered Institute of Credit Management
You'll learn to provide general money and debt advice. The unit covers establishing the causes and extent of personal debt, delivering appropriate advice, and reflecting on performance to improve money and debt advisory practice.
What you'll be able to do
- Establish the cause of personal debt
- Establish the extent of personal debt
- Provide money advice
- Provide debt advice
- Reflect on performance in relation to providing general money advice
- Reflect on performance in relation to providing general debt advice
General Money and Debt Advice PracticeReal unit · Chartered Institute of Credit Management
You'll learn to establish the cause and extent of personal debt, provide tailored money and debt advice, and reflect on their advisory performance. The unit covers methods for gathering debt information and understanding various money and debt advice types.
What you'll be able to do
- Establish the cause and extent of personal debt for individuals seeking advice.
- Provide appropriate money and debt advice to individuals, taking into account their specific circumstances.
- Reflect on personal performance in relation to providing general money and debt advice, identifying areas for improvement.
General Money and Debt Advice PrinciplesReal unit · Chartered Institute of Credit Management
This unit covers the principles of general money and debt advice, including establishing the causes and extent of personal debt, compiling effective budgets, recognising emergency situations, and offering appropriate advice to clients. You'll learn to analyse financial situations and support individuals in managing debt.
What you'll be able to do
- Understand how to establish the underlying causes and full extent of personal debt for an individual.
- Understand how to compile an effective budget plan for a client facing money and debt issues.
- Understand how to respond to emergency situations encountered in money and debt advice scenarios.
- Understand how to offer appropriate and relevant money and debt advice to clients.
General Money and Debt Advice PrinciplesReal unit · Chartered Institute of Credit Management
You'll understand how to assess personal debt causes and extent, compile effective budgets, and respond to emergency financial situations. The unit also covers providing appropriate money and debt advice based on financial analysis.
What you'll be able to do
- Understand how to establish the cause and extent of personal debt, gathering relevant information and analysing financial circumstances
- Understand how to compile an effective budget, taking into account income, expenditure, and priority debts
- Understand emergency situations in relation to debt and money advice, and how to respond appropriately to protect vulnerable individuals
- Understand how to offer appropriate money and debt advice, signposting to relevant resources and support services
Money and Debt Advice Call Handling PracticeReal unit · Chartered Institute of Credit Management
You'll develop professional and empathetic communication skills for handling money and debt advice calls. The unit emphasises adherence to legislation and organisational guidelines, effective call management, and reflection on call handling performance.
What you'll be able to do
- Handle money and debt advice calls in a professional and empathetic manner, adhering to relevant legislation and organisational guidelines.
- Reflect on personal call handling skills in relation to the effective delivery of money and debt advice, identifying areas for improvement.
Money and Debt Advice Call Handling PracticeReal unit · Chartered Institute of Credit Management
You'll develop professional telephone skills for handling money and debt advice calls, adhering to legislation and ethical guidelines. The unit includes reflecting on call handling techniques to improve the delivery of financial advice.
What you'll be able to do
- Handle money and debt advice calls in a professional manner, adhering to relevant legislation and ethical guidelines
- Reflect on own call handling skills in relation to the delivery of money and debt advice, identifying strengths and areas for development
Money and Debt Advice Call Handling PrinciplesReal unit · Chartered Institute of Credit Management
This unit covers the development and management of interviews related to money and debt advice. You'll learn techniques for handling difficult calls, managing complaints, and negotiating effectively during advice sessions.
What you'll be able to do
- Understand how to develop interviews which relate to money and debt advice.
- Understand how to manage interviews which relate to money and debt advice.
- Understand how to handle a variety of difficult money and debt advice calls.
- Understand how to handle caller complaints in relation to money and debt advice.
- Understand how to negotiate when providing money and debt advice.
Money and Debt Advice Call Handling PrinciplesReal unit · Chartered Institute of Credit Management
This unit covers the principles of handling money and debt advice calls, including developing and managing interviews, managing difficult calls with empathy, handling complaints, and negotiating outcomes. You'll gain skills in effective communication, information gathering, rapport building, and negotiation within money and debt advice contexts.
What you'll be able to do
- Understand how to develop and manage interviews which relate to money and debt advice, ensuring effective communication and information gathering.
- Understand how to handle a variety of difficult money and debt advice calls, demonstrating empathy and professionalism.
- Understand how to handle caller complaints in relation to money and debt advice, following organisational procedures for resolution.
- Understand how to negotiate when providing money and debt advice, aiming for mutually acceptable outcomes.
Negotiation & InfluencingReal unit · Chartered Institute of Credit Management
You'll explore the aims and principles of negotiation and influencing within a professional context. The unit covers various recognised techniques, ethical considerations, and the role of communication, enabling learners to demonstrate effective negotiation and influencing skills through reflective practice.
What you'll be able to do
- Understand the aims and fundamental principles of effective negotiation and influencing skills in a professional context.
- Know a variety of recognised negotiation and influencing techniques and understand when each technique should be used.
- Demonstrate effective negotiation and influencing skills in practical scenarios, based on reflective practice and self-evaluation.
Negotiation and InfluencingReal unit · Chartered Institute of Credit Management
You'll study the aims and principles of negotiation and influencing in a professional context, learning various techniques and ethical considerations. The unit supports the demonstration of effective negotiation and influencing skills through reflective practice.
What you'll be able to do
- Understand the aims and principles of effective negotiation and influencing skills in a professional context
- Know a variety of negotiation and influencing techniques and determine when each technique should be used
- Demonstrate effective negotiation and influencing skills based on reflective practice and feedback
Negotiation and InfluencingReal unit · Chartered Institute of Credit Management
You'll explore the aims and principles of negotiation and influencing within debt collection. The unit covers various techniques, ethical considerations, and the application of skills through reflective practice to achieve effective negotiation outcomes.
What you'll be able to do
- Understand the aims and principles of effective negotiation and influencing skills in a debt collection context.
- Know a variety of negotiation and influencing techniques and when they should be used in different debt collection scenarios.
- Demonstrate effective negotiation and influencing skills based on reflective practice, adapting approaches to suit individual debtor circumstances.
Non-Statutory Debt Solutions and Budgeting Advice PracticeReal unit · Chartered Institute of Credit Management
You'll learn to provide appropriate advice on non-statutory debt solutions and tailored budgeting strategies. The unit covers evaluating various solutions and reflecting on the delivery of advice to meet individual client circumstances.
What you'll be able to do
- Provide appropriate advice on non-statutory debt solutions, considering individual circumstances
- Provide appropriate and tailored budgeting advice to clients, based on their income and expenditure
- Reflect on performance in relation to the delivery of non-statutory debt solutions and budgeting advice, identifying strengths and weaknesses
Non-Statutory Debt Solutions and Budgeting Advice PracticeReal unit · Chartered Institute of Credit Management
You'll develop the ability to provide advice on non-statutory debt solutions and budgeting, considering individual circumstances. The unit includes evaluating solution advantages and disadvantages and reflecting on advice delivery.
What you'll be able to do
- Provide appropriate advice on non-statutory debt solutions.
- Provide appropriate and tailored budgeting advice.
- Reflect on performance in relation to the delivery of non-statutory debt solutions and budgeting advice.
Non-Statutory Debt Solutions and Budgeting Advice PrinciplesReal unit · Chartered Institute of Credit Management
You'll understand how to advise clients on non-statutory debt solutions, including their advantages, disadvantages, and credit rating implications. The unit also covers providing tailored budgeting advice to support effective financial management.
What you'll be able to do
- Understand how to provide advice on non-statutory debt solutions, explaining the options available and their implications.
- Understand how to provide appropriate and tailored budgeting advice, supporting clients to manage their finances effectively.
Non-Statutory Debt Solutions and Budgeting Advice PrinciplesReal unit · Chartered Institute of Credit Management
You'll understand different non-statutory debt solutions, their advantages and disadvantages, and how to assess their suitability for individual debtors. The unit also covers providing tailored budgeting advice to support debt management.
What you'll be able to do
- Understand how to provide advice on non-statutory debt solutions, explaining the advantages and disadvantages of each option.
- Understand how to provide appropriate and tailored budgeting advice to debtors, taking into account their individual circumstances and financial goals.
Payment Processing PracticeReal unit · Chartered Institute of Credit Management
You'll develop the ability to accurately process various payment transactions, resolve related problems, and maintain clear records. The unit covers relevant procedures, regulations, and the efficient use of payment processing systems and equipment.
What you'll be able to do
- Process payment transactions accurately and efficiently, adhering to relevant procedures and regulations.
- Resolve problems in relation to payment transactions promptly and effectively, minimising disruption.
- Accurately record payment transactions, maintaining clear and auditable records.
Payment Processing PracticeReal unit · Chartered Institute of Credit Management
You'll learn to process payment transactions accurately and efficiently, resolve related problems, and maintain accurate records in accordance with organisational procedures. The unit covers handling various payment types and addressing common transaction issues.
What you'll be able to do
- Process payment transactions accurately and efficiently
- Resolve problems in relation to payment transactions promptly and effectively
- Accurately record payment transactions in accordance with organisational procedures
Payment Processing PrinciplesReal unit · Chartered Institute of Credit Management
This unit provides learners with knowledge of payment processing principles, including transaction types, authorisation processes, and roles of involved parties. You'll learn to identify and resolve potential problems and accurately record transactions.
What you'll be able to do
- Understand the processes involved in processing various types of payment transactions
- Understand how to identify potential problems that may arise during payment transactions
- Understand how to resolve problems encountered during payment transactions effectively
- Understand how to accurately record details of payment transactions in accordance with organisational procedures
Payment Processing PrinciplesReal unit · Chartered Institute of Credit Management
This unit provides learners with an understanding of payment transaction processes, roles and responsibilities of involved parties, and security measures. You'll also learn to identify and resolve common problems during payment transactions.
What you'll be able to do
- Understand the processes involved in processing payment transactions.
- Understand how to identify and resolve problems that may arise during payment transactions.
- Understand how to accurately record details of payment transactions in accordance with organisational procedures.
Preparation for Debt Collection PracticeReal unit · Chartered Institute of Credit Management
It teaches you to gather and analyse information to prepare for debt collection, verifying debtor details and determining whether debt collection procedures should commence in accordance with regulations and organisational policies.
What you'll be able to do
- Obtain sufficient information to effectively commence debt collection activities
- Confirm whether debt collection procedures should commence based on available information and relevant regulations
Preparation for Debt Collection PracticeReal unit · Chartered Institute of Credit Management
You'll develop the ability to gather sufficient information in compliance with legal and organisational requirements to determine whether debt collection procedures should commence. The unit includes analysing information against relevant criteria and documenting decisions.
What you'll be able to do
- Obtain sufficient information to commence debt collection activities, in accordance with legal and organisational requirements
- Confirm whether debt collection procedures should commence based on the information gathered and relevant criteria
Preparation for Debt Collection PrinciplesReal unit · Chartered Institute of Credit Management
You'll study methods for obtaining accurate information to commence debt collection, relevant rules and regulations, and criteria for initiating collection procedures. The unit emphasises the importance of verification and compliance in debt collection preparation.
What you'll be able to do
- Understand the methods used to obtain sufficient information to commence debt collection activities.
- Understand the rules and regulations that relate to debtors and the collection of debt, including data protection and confidentiality.
- Understand the procedures required to determine if debt collection procedures need to commence, based on the information gathered.
Preparation for Debt Collection PrinciplesReal unit · Chartered Institute of Credit Management
This unit provides learners with knowledge and skills to prepare for debt collection activities by obtaining sufficient information, understanding relevant rules and regulations, and determining when debt collection procedures should commence.
What you'll be able to do
- Obtain sufficient information to effectively commence debt collection activities
- Understand how relevant rules and regulations impact debtors and the debt collection process
- Determine whether debt collection procedures need to commence based on available information and regulations
Rent CollectionsReal unit · Chartered Institute of Credit Management
This unit covers principles of effective rent collection, including legal requirements, organisational policies, and ethical practices. You'll demonstrate rent collection techniques and reflect on their practice within organisational frameworks.
What you'll be able to do
- Understand the principles of effective rent collections, including legal requirements and best practices.
- Understand their organisation's specific policies and procedures in relation to rent collections.
- Demonstrate effective rent collection techniques based on reflective practice and adherence to organisational policies and legal requirements.
Rent CollectionsReal unit · Chartered Institute of Credit Management
You'll gain knowledge of effective rent collection principles, relevant legislation, ethical considerations, and organisational policies. The unit teaches you to demonstrate effective rent collection practices based on reflective evaluation.
What you'll be able to do
- Understand the principles of effective rent collections, including relevant legislation, best practices, and ethical considerations.
- Understand their organisation's policy in relation to rent collections, including procedures, targets, and reporting requirements.
- Demonstrate effective rent collections techniques based on reflective practice, adapting approaches to individual tenant circumstances and maintaining accurate records.
Statutory Debt Solutions Advice PracticeReal unit · Chartered Institute of Credit Management
You'll develop the ability to advise on statutory debt solutions considering individual circumstances and relevant legislation. The unit includes evaluating advisory performance and identifying areas for improvement.
What you'll be able to do
- Provide advice on statutory debt solutions, taking into account individual circumstances and relevant legislation
- Evaluate own performance in relation to the delivery of advice on statutory debt solutions
- Identify areas for improvement in own practice when delivering advice on statutory debt solutions
Statutory Debt Solutions Advice PracticeReal unit · Chartered Institute of Credit Management
This unit equips learners to provide appropriate advice on statutory debt solutions by assessing individual financial situations and considering benefits and risks. You'll also reflect on their advisory performance to enhance practice.
What you'll be able to do
- Provide appropriate advice on statutory debt solutions, considering the individual's financial situation and needs.
- Reflect on performance in relation to the delivery of advice on statutory debt solutions, identifying areas for improvement and development.
Statutory Debt Solutions Advice PrinciplesReal unit · Chartered Institute of Credit Management
You'll gain a comprehensive understanding of statutory debt solutions advice principles, including legal and ethical considerations, data protection, and client suitability assessment. The unit emphasises impartial and objective advice provision.
What you'll be able to do
- Understand the key principles of advising on statutory debt solutions
- Understand the legal and regulatory requirements relating to statutory debt solutions
- Understand the different types of statutory debt solutions available
- Understand the advantages and disadvantages of each statutory debt solution
- Understand how to assess a client's suitability for a statutory debt solution
- Understand how to explain statutory debt solutions to clients in a clear and understandable way
Statutory Debt Solutions Advice PrinciplesReal unit · Chartered Institute of Credit Management
This unit provides knowledge of statutory debt solutions available in the UK, including eligibility criteria, advantages, and disadvantages. You'll understand how to assess individual client circumstances to offer appropriate advice on statutory debt solutions.
What you'll be able to do
- Understand how to advise clients on available statutory debt solutions, considering their individual circumstances and needs.
Telephone CollectionsReal unit · Chartered Institute of Credit Management
This unit provides knowledge of effective telephone communication principles for cash collections, focusing on maintaining customer goodwill. You'll learn to organise and manage collection calls using appropriate questioning and reflective practice.
What you'll be able to do
- Understand the principles of effective telephone communications to resolve cash collections problems in ways that minimise damage to customer goodwill and maintain positive relationships
- Organise and manage telephone collection calls, including planning call structure and using appropriate questioning techniques
- Demonstrate effective telephone collections based on reflective practice, adapting communication style to individual customer needs and circumstances
Telephone CollectionsReal unit · Chartered Institute of Credit Management
This unit develops learners' skills in managing telephone collections to resolve cash collection issues while maintaining customer goodwill. You'll understand effective communication principles, call organisation, and legal requirements.
What you'll be able to do
- Understand the principles of effective telephone communications to resolve cash collections problems in ways that minimise damage to customer goodwill.
- Organise telephone collections calls.
- Manage telephone collections calls.
- Demonstrate effective telephone collections based on reflective practice.
The honest bit
You’ve started things before
Most courses were built for a room full of people who aren’t you. A cohort moves on whether or not your week allowed it, and by the third week the thing you’re behind on becomes the reason you stop opening it.
There’s no cohort here, and no timetable to fall behind. Before anything starts, Zavmo asks when you’re sharpest and how long you can realistically sit down for, then builds the sessions around those answers. A bad fortnight changes your pace. It doesn’t put you behind.
And you only pay once you start learning. Searching and planning are free, and you can cancel any time — so the cost of finding out is an afternoon, not a year.
Your passport
Every credit is a stamp you keep
Level 2 credits are regulated. They don’t vanish when a subscription ends or a website closes. They travel to any employer, and Zavmo keeps the map of what you’ve earned and what’s next.
Applied Business Communications and Personal SkillsBusiness Solutions through Creative ThinkingBusiness Solutions through Creative ThinkingCash CollectionsCash CollectionsCollections Team ManagementCollections Team ManagementCourt Procedures and Enforcement Advice Practice
Each stamp is a real unit registered against this qualification.
Who’d teach you this
The Evidence Evaluator
Assessor
Helps you show what you can actually do, gathering the evidence that proves it as you learn.
Meet all twelve tutorsWhere this connects
Where these credits take you
A qualification is never a dead end here. See the jobs its credits open, the national occupational standards its units map to, and the future skills they quietly build.
CICM Level 2 Diploma in Money and Debt Advice
- Administer the collection of financial orders levied by courts and tribunals
- Advise and guide staff in your organisation on anti-money laundering and countering terrorist financing
- Assess Credit Risk and Means
- Authorise financial transactions using telecommunications
- Collect Outstanding Payments
- Collect and process payments
- Manage debt in a royalty collecting and licensing society
- Monitor and Safeguard Debt Repayment Arrangements Legacy
Where this can lead
Debt Recovery Specialist
Your journey here isn't just a job; it's a chance to build a robust career in a critical area of legal practice. We're looking for people who want to grow, learn, and make a real impact, and we'll support you every step of the way.
See the whole journey →Opens the roleDebt Recovery SpecialistOne of the jobs this qualification is a route into · 1 near-identical record folded inSee the role →Opens the roleAssociate Debt Recovery SpecialistOne of the jobs this qualification is a route intoSee the role →Opens the roleJunior Collections OfficerOne of the jobs this qualification is a route intoSee the role →Opens the roleSenior Debt Recovery SpecialistOne of the jobs this qualification is a route into · 1 near-identical record folded inSee the role →Opens the roleCollections ManagerOne of the jobs this qualification is a route intoSee the role →Opens the roleCredit Risk AnalystOne of the jobs this qualification is a route into · 1 near-identical record folded inSee the role →Future FluencyAll ten future skillsSee how every unit is contextualised by the tenExplore →
Showing 6 roles, drawn from 119 job records mapped to this qualification.
Skills it covers
What the job actually needs. These are the standards the units are built against, in the words employers and awarding bodies already use for the work itself.
Administer the collection of financial orders levied by courts and tribunalsAdvise and guide staff in your organisation on anti-money laundering and countering terrorist financingAssess Credit Risk and MeansAuthorise financial transactions using telecommunicationsCollect Outstanding PaymentsCollect and process paymentsManage debt in a royalty collecting and licensing societyMonitor and Safeguard Debt Repayment Arrangements LegacyNegotiate repayment solutions to outstanding debtsObtain information for credit risk or means assessmentProcess Payments from ClientsProcess invoices and payment transactionsProcess payments on behalf of the productionRecover Debt
How you’ll actually learn this
One-to-one, on your own real work
A qualification is usually something done to you: sit the class, sit the exam, hope it sticks. Here it’s the opposite. You learn it one-to-one with a companion, on your own real work, and you keep going until you can use it, not just recall it.
One-to-one, on your real workNo lectures, no past-papers. Every unit is practised on the actual tasks your job throws at you, a tutor beside you, not a video in front of you.
Taught to the top, not the testMost courses stop at remembering. Your companion keeps climbing: analysing, judging, creating. That’s the part a machine can’t do for you.
Credits you keep, a map that continuesEvery unit is regulated and yours for good. The day you finish, Zavmo already knows the next role your new credits open.
Applied to your work in any of these jobs
Which job do you mean?
Learners will study various communication methods used in business and evaluate their effectiveness. The unit covers selecting appropriate communication styles and developing personal communication skills to enhance business interactions.
How the thinking builds
- Remember
- Understand
- Apply
- Analyse
- Evaluate
- Create
Built for CICM Level 2 Diploma in Money and Debt Advice
38 units in this credential, in the order it lists them, awarded by Chartered Institute of Credit Management.
- Applied Business Communications and Personal Skills
- Business Solutions through Creative Thinking
- Cash Collections
- Collections Team Management
- Court Procedures and Enforcement Advice Practice
- Court Procedures and Enforcement Advice Principles
and 32 more in the full unit list below.
One to one, not one to many
No two people run this the same way
A course is written once and handed to everyone. This is assembled around you, and keeps changing as it learns you. Five things it reads, and what each one changes.
- Your actual work Every unit is taught against a live piece of your own work, not a worked example from a textbook.
- What you already know The first conversation finds your starting point, so you skip what you can already do and spend the time on what you cannot.
- The conditions you learn under Not a learning-styles quiz. The evidence does not support those. The dimensions the research does back, read once and used to shape the plan.
- How far you got last time It picks up mid-thought. The tutor knows what you said, what you struggled with, and what it asked you to try.
- Which tutor suits the moment Twelve of them, each for a different kind of thinking. The one who walks you through a first idea is not the one who stress-tests it.
See how you learn, free. Eight questions, no sign-up. A directional taster; the diagnostic inside Zavmo goes deeper and keeps adapting.
Why it sticks
Most courses stop at remembering
There’s a well-known ladder of how deeply you learn something, called Bloom’s Taxonomy. Most courses get you up the first two rungs: you remember some facts, you pass a test, you forget it. Real skill lives at the top. Judging, deciding, creating. And this isn’t a generic ladder: every rung has a named Zavmo tutor who walks you up it.
- 6CreateThe Creative Catalyst
- 5EvaluateThe Evidence Evaluator
- 4AnalyseThe Analyst
- 3ApplyThe Coach
- 2UnderstandThe Connector
- 1RememberThe Builder
Where most courses leave you Where Zavmo takes you
Why this matters: AI can already remember and understand for you. What it can’t do is
take your real problem and judge the right call. So the only learning worth paying
for is the learning that takes you to the top. That’s exactly what a tutor doing it with
you, on your real work, is for.
The value
Why the companion is worth £70 a month
You’re not paying for the units. They’re regulated, and the same wherever you earn them. You’re paying for the one thing that decides whether you actually get there: a companion that makes them stick, on your real work.
That is one-to-one on this qualification, every day, on the work you already do, for £70 a month. Your first module is free, so you can see the teaching before you pay for any of it. Billed monthly, cancel any time and billing stops.
Earned on your own work, taught to the top.
Everything you just read, learned one-to-one on the job you already do. Your first module is free, so you can see the teaching before you pay for any of it.
Build my plan, freeNo card. See how this qualification maps onto your role and meet the tutors who’d teach it, free. The learning begins when you subscribe. It’s £70 a month, billed monthly. Cancel any time and billing stops.