How you’d get this certificate
- Zavmo teaches you. You learn the units one-to-one with an AI tutor, on your own work.
- You register with an approved centre. That is a college, training provider or employer Chartered Institute of Credit Management has approved to offer this qualification. Zavmo is not an approved centre, so you register with them, not with us.
- The centre assesses, and Chartered Institute of Credit Management awards. A qualified assessor at the centre judges your evidence, and the certificate comes from Chartered Institute of Credit Management.
Achieve a globally recognised Credit and Collections 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. Zavmo teaches towards them on your own work, and work done here is recognised as prior learning under the agreements we hold.
Zavmo is not an awarding body, is not an approved centre, and is not affiliated with Chartered Institute of Credit Management. It does the teaching and the mapping. Chartered Institute of Credit Management sets this qualification and awards it, and a qualified human assessor makes the assessment decision.
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What each unit actually teaches you to do
Accounting Principles Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand fundamental accounting principles and their application
- Explain the reasons for keeping accurate and complete accounts
- Identify and describe the documents involved in financial transactions
- Understand how a trial balance is constructed and used
- Explain how adjustments are applied to prepare financial statements
- Identify the differences in financial reporting requirements for various sized companies
- Identify the differences in financial reporting requirements for non-incorporated traders
- Explain the principles of budgetary control within an organisation
- Assess business performance using financial statements and relevant ratios
Advanced Business Communications and Personal Skills Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Develop positive and sustained relationships while dealing with a difficult topic
- Know a range of communication and negotiation skills which are in line with legal, regulatory and organisational requirements
- Build and maintain good working relationships within teams and with other business areas to achieve results
- Use effective personal skills to meet commitments and targets, and find time to improve working practices
- Reflect on business communications and personal skills over a period of time
Advanced Collections Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Organise collections work in accordance with legal, regulatory, and organisational requirements
- Manage collections work in accordance with legal, regulatory, and organisational requirements
- Understand the range of skills necessary to achieve successful collections outcomes
- Understand the tools necessary to achieve successful collections outcomes
- Apply the necessary skills and tools to achieve successful collections for their area of work in line with legal, regulatory and organisational requirements
- Manage relationships with customers during the collections process
- Carry out collections work for a range of customers, adhering to legal, regulatory, and industry frameworks
- Reflect on personal collections work and identify areas for professional development
Advanced Enforcement Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Know the role and responsibilities of enforcement agents within the legal and regulatory framework.
- Know the practical steps involved in the Taking Control of Goods procedure, ensuring compliance with relevant legislation.
- Deliver excellent customer care during enforcement work, demonstrating empathy and professionalism.
- Carry out enforcement work in line with all applicable legal, regulatory, and industry frameworks, ensuring ethical and compliant practices.
- Reflect critically on enforcement work they have carried out over a period of time, identifying areas for improvement and professional development.
Business Environment Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the structure of the UK economy
- Understand the structure of business organisations
- Understand the factors influencing the operation of business organisations
- Understand how marketing concepts impact on business activity
- Understand the factors that impact on the competitive market
- Understand the macro-economic influences on the organisation
Business Law Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the basic principles and procedures of the English legal system
- Understand the main principles of English contractual law
- Understand the legislation governing the supply of goods and services in England and Wales
- Understand the principles of agency law
- Understand the principles governing bailor/bailee relationships
Consumer Collections Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Know the principles of consumer collections
- Know the legal, regulatory and industry frameworks which relate to consumer collections
- Understand how to obtain sufficient information to commence collections
- Carry out consumer collection contact
- Understand how to instigate action in response to continued non-payment
- Understand how to prepare for legal proceedings
- Understand how consumer collection processes are maintained
Consumer Credit Management Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the role and effect of consumer credit within the business environment, including its impact on profitability and customer relationships.
- Understand the organisational requirements of credit management functions, including staffing, resources, and reporting structures.
- Understand the marketing and sale of a range of consumer credit products, including responsible lending practices and regulatory requirements.
- Understand how to assess and control risk associated with consumer credit, including credit scoring, affordability assessments, and fraud prevention.
- Understand different documents and systems used for consumer credit, including application forms, credit agreements, and credit reference agency reports.
- Understand collection and recovery methods used in consumer credit, including early arrears management, debt counselling, and legal action.
Credit Management _trade, export and consumer_ Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the role of credit management within the business environment
- Understand the organisational requirements of credit management functions
- Understand the impact of legislation on the credit function
- Understand how to assess and control risk
- Understand the different documents and systems used for trade, export and consumer credit
- Understand collection and recovery methods
Credit Risk Management Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the various credit risks faced by an organisation
- Describe how an organisation can effectively manage credit risk
- Explain the contribution of different stakeholders to the credit risk management process
- Carry out credit risk assessment work in compliance with legal, regulatory, and industry frameworks
- Reflect on personal credit risk assessment work and identify areas for improvement
Debt Recovery Management Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the various options available for the recovery of debt, including their advantages and disadvantages.
- Prepare thoroughly for selected debt recovery actions, ensuring all necessary documentation and information are readily available.
- Effectively manage debt recovery procedures, adhering to best practices and organisational policies.
- Oversee debt recovery work for a range of customers, ensuring compliance with all relevant legal, regulatory, and industry frameworks.
- Reflect critically on their oversight of debt recovery cases carried out over a period of time, identifying areas for improvement and professional development.
Export Credit Management Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the role and effect of credit management within the global business environment
- Understand the organisational requirements of credit management functions
- Understand the impact of legislation and country culture on the credit function
- Understand how to assess and control risk
- Understand different documents and systems used for export credit
- Understand collection and recovery methods for export debt
Trade Credit Management Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the role of credit management within the business environment, including its contribution to sales, profitability, and cash flow.
- Understand the organisational requirements of credit management functions, including staffing, resources, and reporting structures.
- Understand the impact of legislation on the credit function, including data protection, consumer rights, and debt recovery laws.
- Understand how to assess and control risk associated with trade credit, including credit scoring, credit limits, and security arrangements.
- Understand the different documents and systems used for trade credit, including credit application forms, invoices, and statements.
- Understand collection and recovery methods used in trade credit, including payment reminders, debt negotiation, and legal action.
Vulnerability Support Real unit · Chartered Institute of Credit Management
What you'll be able to do
- Understand the concept of vulnerability in a customer service context
- Understand how to identify indicators of vulnerability in customers
- Understand how to accurately record instances of vulnerability
- Understand how to provide appropriate support to individuals in vulnerable circumstances
- Demonstrate effective communication techniques when interacting with customers in vulnerable circumstances
- Understand how to embed vulnerability awareness into routine working practices and organisational culture
The national standards these units are built against
What the job actually needs, in the words employers and awarding bodies already use for the work itself.
- Standard
Action and enforce liability orders
- Standard
Assess Credit Risk and Means
- Standard
Collect Outstanding Payments
- Standard
Conduct the Levy
- Standard
Obtain and validate credit information to instigate debt collections Legacy
- Standard
Obtain information for credit risk or means assessment
- Standard
Recover Debt
The jobs these credits are mapped to
A qualification is never a dead end here. Each of these is a job record this qualification is a mapped route into.
- 1 record
- 1 record
- 1 record
- 1 record
- 1 record
- 2 records
Showing 6 roles, drawn from 190 job records mapped to this qualification. Near-identical records are folded together, and each row says how many it stands for.
Where this can lead
Senior Collections Officer
This work can lead to a collections manager role, overseeing teams and setting collection strategy, or further into senior debt recovery leadership.
See the whole journeyThe credits, and who awards them
Level 3 credits are regulated, and they are awarded by Chartered Institute of Credit Management rather than by Zavmo. 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 have covered and what is next.
What you would be collecting
Accounting PrinciplesAdvanced Business Communications and Personal SkillsAdvanced CollectionsAdvanced EnforcementBusiness EnvironmentBusiness LawConsumer CollectionsConsumer Credit Management
Each one is a real unit registered against this qualification.
How you’d practise it
You don’t watch this. You do it.
You are not assessed on remembering this. You are assessed on applying it, analysing it, evaluating it and producing something. So that is what the practice is: projects, role play and your own live cases, with a tutor in the room.
The Practical Builder · your make-it-real tutor Illustration - Draft the real one Create
You do “Accounting Principles” on a real document of your own. Zavmo works on the draft you have to send anyway, so the coursework and the job are the same piece of work.
- Lead it Apply
“Consumer Credit Management” is practised on the team you actually have. You talk through the call you are about to make, and Zavmo makes you say it the way you would say it to them.
What you leave holding
The standards this credential builds, in the shape the product keeps them
Nothing here is marked learned. There is no learner on a public page, so the map shows what the qualification covers rather than what anybody has done.
- Action and enforce liability orders
- Assess Credit Risk and Means
- Collect Outstanding Payments
- Conduct the Levy
- Obtain and validate credit information to instigate debt collections Legacy
- Obtain information for credit risk or means assessment
- Recover Debt
How you would learn this
One to one, on the work you already do
A tutor sets the task against your own job and marks the reasoning, at your pace. There is no cohort to fall behind.
A lesson from Accounting Principles, one of this qualification's own units.
Applied to your work in any of these jobs
This unit introduces fundamental accounting principles and their application in preparing financial statements. Learners will understand accounting equations, accruals, matching concepts, double-entry bookkeeping, and differences in financial reporting across company sizes.
- 1 Remember
- 2 Understand
- 3 Apply
- 4 Analyse
- 5 Evaluate
- 6 Create
It is £70 a month, billed monthly. Your free first module is Future Fluency, and you can cancel any time. Teaching towards this qualification begins when you subscribe.
Built for CICM Level 3 Diploma in Credit and Collections
14 units in this credential, in the order it lists them, awarded by Chartered Institute of Credit Management.
- Accounting Principles
- Advanced Business Communications and Personal Skills
- Advanced Collections
- Advanced Enforcement
- Business Environment
- Business Law
and 8 more in the full unit list below.
Free tools
Want a read on where you stand?
Three free tools, no account needed. Each one ends with a role, a level and a way in.
Learned on your own work, taught one-to-one.
Everything you just read, learned one-to-one on the job you already do. Your free first module is Future Fluency, so you can see how the teaching works before you pay for anything.
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.
The title, level, credits, guided learning hours and unit learning outcomes on this page are taken from the Ofqual Register of Regulated Qualifications. Contains public sector information licensed under the Open Government Licence v3.0. Where this data comes from.