Chartered Institute of Credit Management · RQF Level 5
CICM Level 5 Diploma In Credit Management (QCF)
You don’t just earn this. You learn to use it, one-to-one, on your own real work.
- LevelRQF Level 5
- Total credits50
- Guided learning260 hours
- Units in this qualification14
Awarded by Chartered Institute of Credit Management · on the Ofqual register
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See how this course maps onto your role
Ten quick questions, one per Future Fluency, asked against this qualification rather than a generic one.
About 5 minutes · No card · Nothing to commit to
What you’ll learn
What each unit actually teaches you to do
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.
Consumer Credit LawReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the consumer credit law that directly affects the credit management function.
- Evaluate the effect of consumer credit law on the supplier/customer relationship.
- Review compliance with consumer credit law for own area of responsibility.
Corporate and Partnership LawReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the corporate and partnership law that directly affects the credit management function.
- Evaluate the effect of corporate and partnership law on the supplier/customer relationship.
- Apply corporate and partnership law to own area of responsibility.
Credit risk managementReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand credit risk assessment methods
- Assess credit risk.
- Understand credit risk control methods.
- Communicate credit risk management policy and procedures.
Develop a customer focused organisationReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Develop and communicate a vision for customer-based values in own organisation.
- Develop success criteria and maintain a customer focus across an organisation.
- Monitor customer focus and identify areas for improvement across own organisation.
Developing and Leading Teams to Achieve Organisational Goals and ObjectivesReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the importance of leading teams to achieve organisational goals and objectives
- Develop and lead teams
Evaluate compliance with legal, regulatory, ethical and social requirements.Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand responsibilities and liabilities in relation to legal, regulatory, ethical and social requirements.
- Evaluate operational compliance of procedures in meeting legal, regulatory, ethical and social requirements.
- Review compliance with legal, regulatory, ethical and social requirements.
Financial AnalysisReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the underlying regulatory aspects of published financial statements.
- Assess published cashflow information.
- Understand how to analyse published financial statements.
- Understand how to interpret published financial statements.
- Communicate information that supports credit decisions.
Legal proceedings and insolvencyReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand how to prepare for recovery of debt through the courts.
- Understand routes to judgement on undefended claims.
- Understand the routes to judgement on defended claims.
- Understand how to enforce a judgement.
- Understand insolvency in relation to debt collection.
- Understand how a credit manager can manage the post-insolvency process.
Manage a budget for own area or activity of workReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Prepare a budget for own area of responsibility.
- Manage a budget.
- Review budget management performance.
Managing Individual DevelopmentReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Evaluate individual performance in an organisation
- Implement a personal development plan, for an individual in an organisation
Managing Projects in the OrganisationsReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Manage a project in an organisation
- Evaluate own ability to manage a project
Map the organisational environment to support strategic planningReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Map the environment in which an organisation operates.
- Benchmark organisational performance.
- Organise information to support strategic decision-making.
Monitor and review business processesReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Monitor business processes in own area of responsibility.
- Review and improve business processes in own area of responsibility.
Plan change in own area of responsibilityReal unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand how to plan change.
- Develop plans for change in own area of responsibility.
- Develop systems for monitoring and assessing progress.
- Evaluate barriers and determine ways to overcome resistance to planned change.
- Develop a communication strategy to facilitate the process for change.
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 5 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.
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.
- Assess Credit Risk and Means
- Assess and Review the Compliance Risks Relevant to Your Organisation
- Assist in Developing the Compliance Culture of Your Organisation
- Consider and advise on the compliance implications of business strategies at your organisation
- Develop a compliance reference guide for your organisation
- Identify the requirements of legislation and regulations for the business conducted by your organisation
- Review, evaluate and make improvements to the compliance policy within your organisation
Where this can lead
Senior Insolvency Lawyer
Your journey here isn't just a job; it's a career path with clear opportunities for growth, specialisation, and leadership. We're here to support you every step of the way, helping you build the skills and experience you need to reach your full potential, whatever that looks like for you.
See the whole journey →Showing 6 roles, drawn from 213 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.
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.
Applied to your work in any of these jobs
- Remember
- Understand
- Apply
- Analyse
- Evaluate
- Create
Built for CICM Level 5 Diploma In Credit Management (QCF)
14 units in this credential, in the order it lists them, awarded by Chartered Institute of Credit Management.
- Consumer Credit Law
- Corporate and Partnership Law
- Credit risk management
- Develop a customer focused organisation
- Developing and Leading Teams to Achieve Organisational Goals and Objectives
- Evaluate compliance with legal, regulatory, ethical and social requirements.
and 8 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
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.