United Kingdom · Finance · Principal/Manager (12-16 years)

Credit Manager

Here is the whole job, in plain words. What it is, what you decide, how you're judged, how people get here and where they go next. Then the part no course gives you: twelve AI tutors who learn your work.

See how AI is changing this job, and get the full read by email.

As a Credit Manager, a good place to start on Ethical AI & Algorithmic Bias in Credit Decisions is Planning Automation Across a Department, a free Future Fluency module at Level 5. You'd practise working out what in your department's work could be automated, what should not be, and what to recommend.

Free to start, no card.

Keep this job description

Where should we send it?

One email: what AI is changing in this job, the new skills it asks for, where it leads, and where to start free. With a link back here. Nothing else follows unless you confirm your address.

Your employer, or 'self-employed'

Leading a team? Try this with up to five of them for 14 days, free.

  • Experience bandPrincipal/Manager (12-16 years)
  • Direct reports3-8 reports
  • Reports toDirector of Credit
  • UK framework levelUsually a manager, or the deepest specialist in a team

Also advertised as Credit & Collections Manager · Head of Credit Operations · Senior Credit Officer

Built on 43,079 real UK job descriptions we analysed · grounded in what real qualifications cover

1From this job to a course

The qualifications matched to this job

CICM Level 5 Diploma in Credit and Collections Management Chartered Institute of Credit Management · Level 5 · covers 2 of 10 standards
CICM Level 3 Diploma in Credit and Collections Chartered Institute of Credit Management · Level 3 · covers 5 of 10 standards
CICM Level 3 Diploma in Money and Debt Advice Chartered Institute of Credit Management · Level 3 · covers 5 of 10 standards
Highfield Level 3 Certificate in Providing Financial Services (RQF) Highfield Qualifications · Level 3 · covers 1 of 10 standards
ISM Level 3 NVQ Diploma in Sales (RQF) Institute of Sales Management · Level 3 · covers 1 of 10 standards
CICM Level 2 Diploma in Money and Debt Advice Chartered Institute of Credit Management · Level 2 · covers 4 of 10 standards

Matched from the standards this job is measured against: a suggestion, not an official ruling.

The units you would start with

Advanced Credit Risk Management CICM Level 5 Diploma in Credit and Collections Management
Advanced Collections CICM Level 3 Diploma in Credit and Collections
Credit Risk Assessment CICM Level 3 Diploma in Money and Debt Advice
Debt Collection Operations Management Practice Highfield Level 3 Certificate in Providing Financial Services (RQF)
Assessing customers’ credit status ISM Level 3 NVQ Diploma in Sales (RQF)

The future skills this job leans on

AI Fluency working with AI as a thinking partner
Data Fluency turning numbers into a decision
AI Governance Fluency using AI responsibly
Automation Fluency building AI into how work runs
Systems Fluency seeing the whole picture
Your Plan Illustration

Built for Credit Manager

5 units that map to this job, from the qualifications that cover it.

  1. Advanced Credit Risk Management Chartered Institute of Credit Management · covers 2 of 10 standards Level 5
  2. Advanced Collections Chartered Institute of Credit Management · covers 5 of 10 standards Level 3
  3. Credit Risk Assessment Chartered Institute of Credit Management · covers 5 of 10 standards Level 3
  4. Debt Collection Operations Management Practice Highfield Qualifications · covers 1 of 10 standards Level 3
  5. Assessing customers’ credit status Institute of Sales Management · covers 1 of 10 standards Level 3
These are the real units behind this job, in the order they rank for it. Nothing here is marked done, because this plan has not been started by anyone yet. Yours would fill in as you go.

2AI and this work

Will AI change your work as a Credit Manager?

Nobody can say exactly how. Here is what this job is being asked for next, and where to start.

The new skills this role is being asked for

  • Ethical AI & Algorithmic Bias in Credit Decisions
  • Advanced Data Storytelling & Visualisation
Why each one is rising

The future skills this job leans on

We'll only ever tell you what we can actually back up. No hype, no scare tactics.

What happens when you start

Next, a free account. We build your Credit Manager plan as you set up, starting with the free Automation Fluency module. No card.

Your first Future Fluency module is free. After that, your AI tutor is £70 a month.

Keep this read. One email with what AI is changing in this job, the new skills it asks for and where to start free. Nothing else follows unless you confirm your address.

3What this role really is

A Credit Manager sets credit policy and leads a credit and collections team, balancing sales growth with getting paid on time.

4What you'd actually use

The tools this job runs on, and how well you'd need to know each one.

SAP S/4HANA / Oracle NetSuite / Microsoft Dynamics 365 Finance Strategic

Involved in ERP module selection/upgrades, defines data governance for credit & AR data, architects reporting outputs. You'll be using it to pull high-level reports and analyse trends, not just individual accounts.

Dun & Bradstreet (D&B) Credit / Experian / Equifax Commercial Strategic

Manages relationships with bureau vendors, negotiates contracts, and integrates bureau data feeds into internal scoring models. You're using these for strategic insights and data integration, not just pulling individual reports.

HighRadius / Billtrust / Esker / SAP FSCM Architect

Leads platform selection and implementation, sets company-wide collections strategy, and uses platform data to forecast cash flow. You're designing how the team uses these tools, not just using them for basic tasks.

Audits and standardises modeling practices across the team, uses Excel to model portfolio-level risk and its impact on P&L. You're ensuring consistency and accuracy across your team's analytical work.

Power BI / Tableau Strategic

Designs and presents executive-level dashboards to the CFO/Board, telling the story behind the numbers and highlighting key risks. You're communicating the big picture through data visualisation.

Anaplan / Workday Adaptive Planning Strategic

Provides key inputs (DSO forecasts, bad debt provisions) into the corporate financial planning platform; uses the platform to model credit policy impact on overall company financials. You're linking credit strategy to broader financial planning.

5What you get to decide, and how that grows

Power in a job isn't your title. It's what you're allowed to decide. Here's how it grows as you move up.

The choiceComing in Where you are nowThe step above
Credit Limit Approval No independent approval. Recommends limits up to £10K to supervisor. Approves limits up to £50K within defined policy. Escalates anything higher or outside policy. Approves limits up to £250K, including complex cases. Recommends exceptions above this to Credit Manager.
Payment Plan Negotiation Follows pre-approved templates for payment plans up to 3 months. Escalates deviations. Negotiates payment plans up to 6 months for accounts up to £100K. Seeks approval for longer terms. Negotiates complex payment plans up to 12 months for accounts up to £500K. Consults Credit Manager on significant concessions.
Bad Debt Write-off No authority. Prepares documentation for supervisor review. Recommends write-offs up to £5K to Senior Credit Analyst. Approves write-offs up to £25K within policy. Recommends higher amounts to Credit Manager.
Credit Policy Changes No involvement in policy changes. Provides feedback on policy effectiveness based on day-to-day experience. Proposes minor policy adjustments based on observed trends or issues. Contributes to policy review discussions.

6How you'll be judged

The scoreboard, and what is not on it. The hard targets, how often each is actually looked at, and the quiet signals that never reach a dashboard.

Company-wide Days Sales Outstanding (DSO)
The average number of days it takes for the company to collect payment after a sale. This is the big one, the metric everyone talks about.
Target · Achieve and maintain DSO within the corporate target of 45 days (or a 5% year-on-year reduction)

If our target DSO is 45 days, and we're consistently hitting 43-46 days, you're doing well. If it creeps up to 50 days, we'll be having a chat about why.

Bad Debt Expense as % of Revenue
The total amount of uncollectible receivables written off, expressed as a percentage of our total sales. This directly hits our P&L.
Target · Manage write-offs to be within 5% of the annual budget, aiming for <0.5% of total revenue.

If our annual revenue is £100M, we'd expect bad debt to be less than £500K. You'll need to explain any significant deviations from this.

Credit Policy Compliance Rate
The percentage of credit decisions and collections actions that adhere to the established company credit policy and procedures.
Target · Maintain a compliance rate of >95% across all credit decisions and collection activities.

During an audit, if we find 10 out of 200 credit approvals didn't follow the documented process, that's a 95% compliance rate. We want to see that consistent.

Team Productivity & Efficiency
How effectively your team processes credit applications, manages their portfolios, and resolves collection issues.
Target · Improve average credit application turnaround time by 15% YoY, and reduce the number of overdue accounts per analyst by 10%.

If it used to take 72 hours to approve a complex credit application, we'd want to see that closer to 60 hours, without compromising quality.

Stakeholder Trust & Collaboration
How well you and your team are perceived by other departments, especially Sales, and how effectively you work together.
  • Sales leadership proactively consults you on large deals
  • you're seen as a partner, not a roadblock. Other departments regularly seek your input on payment terms or customer issues. Feedback from internal surveys or direct conversations with peers indicates strong partnership.
Team Development & Engagement
Your ability to mentor, coach, and develop your direct reports, fostering a strong, knowledgeable, and motivated team.
  • Direct reports show clear progression in their skills and responsibilities. High retention rates within your team. Positive feedback in 1-2-1s and performance reviews about your coaching and support. You're actively identifying and nurturing future leaders.
Policy Effectiveness & Adaptability
How well your credit policy supports business objectives and adapts to changing market conditions or new product offerings.
  • The credit policy is regularly reviewed and updated to reflect current market risks and business strategy. New products or sales channels are seamlessly integrated into credit processes. You can articulate the rationale for policy changes and their projected impact.

7Would you like it

Both sides. What people enjoy, and what grinds them down.

What people enjoy
Impact on Financial Health

You're driven by seeing the company's cash flow improve, bad debt reduce, and overall financial stability strengthen. Knowing your decisions directly protect the P&L is a huge motivator.

Successfully negotiating a payment plan that recovers a significant portion of a previously written-off debt, or implementing a new policy that visibly reduces average DSO.

Team Leadership & Development

You thrive on coaching, mentoring, and seeing your team members grow in their roles. Building a high-performing, knowledgeable credit team is a key source of satisfaction.

One of your junior analysts independently handles a complex credit review that they couldn't have done six months ago, or seeing a mentee get promoted.

Solving Complex Financial Puzzles

You enjoy dissecting intricate financial statements, unravelling complex corporate structures, and figuring out the true risk profile of a challenging customer or market segment.

Successfully assessing credit for a multi-national conglomerate with complex intercompany transactions, or navigating a new regulatory environment for credit decisions.

What frustrates people
  • The 'Sales Prevention Department' stigma – constantly battling the perception that your job is to block sales, rather than enable profitable sales.
  • The last-minute panic – receiving an incomplete credit application at 4:45 PM on the last day of the quarter for a 'must-win' deal that needs immediate approval.
  • Sales team amnesia – dealing with the fallout when a sales rep makes promises about payment terms or pricing that violate company policy, leaving you to be the bad guy.
  • Political approvals – being pressured by senior leadership to approve a large line of credit for a 'strategic' account that you know is a high risk, and then being held accountable when it goes bad.
  • Dirty data – wasting hours cleaning up misapplied cash payments or incorrect customer master data in the ERP before you can even begin your analysis.
  • The DSO inquisition – having to explain to the CFO in excruciating detail why the company-wide DSO increased by 0.5 days, even if it was caused by one large, healthy customer paying on day 31 instead of day 30.
What this role does not give you
  • A quiet, predictable 9-to-5 job with no surprises.
  • The ability to always be 'the good guy' – you'll often have to say no.
  • A role where you can avoid confrontation or difficult conversations.
  • Complete autonomy without any commercial pressures or trade-offs.

8Who you work with

This role directly impacts the company's working capital, liquidity, and profitability. You're essentially the guardian of our accounts receivable, ensuring that the revenue we book actually turns into cash. Your decisions and policies influence sales enablement, bad debt expense, and overall financial risk exposure. A well-run credit function, led by you, means we're growing sustainably and protecting shareholder value. Frankly, it's pretty fundamental to how we operate.

Inside the business
  • Director of Credit
  • CFO and Finance Leadership Team
  • Sales Directors and Regional Sales Managers
  • Legal Department
  • Treasury Team
Outside the business
  • Key Customers (especially for escalated issues or large accounts)
  • Credit Reporting Bureaus (D&B, Experian, Equifax)
  • Credit Insurance Providers (e.g., Euler Hermes, Coface)
  • Third-Party Collection Agencies
  • External Auditors

9What you need before you start

Not a wish list. The things you would be expected to already have.

  • At least 12 years of progressive experience in credit management, with a minimum of 5 years in a leadership or management role, overseeing a team of credit professionals.
  • Demonstrable experience in developing, implementing, and enforcing credit policies for a medium to large-sized organisation.
  • Proven track record of managing and significantly impacting key credit metrics such as DSO and bad debt expense.
  • Expert-level financial statement analysis skills, capable of assessing complex corporate structures and international financials.
  • Experience with major ERP systems (e.g., SAP, Oracle NetSuite) and dedicated AR/Collections automation platforms (e.g., HighRadius).
  • Strong understanding of risk mitigation instruments and their strategic application (e.g., L/Cs, credit insurance).

10What to practise next

Where the job is going, and what to do about it starting this week.

Advanced Portfolio Risk Analytics with Python/R

While Excel is great for individual models, managing portfolio-level risk and complex scenarios requires more robust analytical tools. Python or R allow for sophisticated statistical modelling, stress testing, and integration with larger datasets, giving you deeper insights into overall credit exposure.

Statistical Modelling (e.g., regression, classification) · Scenario Analysis & Stress Testing · Data Integration & Automation · Visualisation Libraries (e.g., Matplotlib, Seaborn)

  • This quarter: Refresh your basic Python/R skills if rusty, focusing on data manipulation libraries (pandas/dplyr).
  • Next 3 months: Identify one recurring, complex Excel model that could benefit from automation or advanced analytics in Python/R.
  • Next 6 months: Work with a data scientist (if available) or an external consultant to build a basic portfolio risk model in Python/R.
  • Within 12 months: Be able to interpret and present the outputs of these advanced models to senior leadership.

Quick win: Explore online tutorials for 'Python for Finance' or 'R for Credit Risk'. Even understanding the concepts will help you guide your team.

Integrated Financial Planning & Analysis (FP&A) Platforms

Credit decisions don't happen in a vacuum. Your ability to seamlessly integrate credit forecasts (DSO, bad debt) into the company's broader financial planning platforms (like Anaplan or Workday Adaptive Planning) is becoming crucial. This ensures credit strategy is aligned with overall business strategy and financial targets.

Driver-Based Planning · Scenario Modelling in FP&A Platforms · Data Flow & Integration Architecture · Stakeholder Collaboration in Planning Cycles

  • This quarter: Schedule a deep dive with the FP&A team to understand how our credit inputs are currently used in their planning cycles.
  • Next 3 months: Identify areas where credit forecasts could be more granular or accurate for FP&A purposes.
  • Next 6 months: Participate actively in the next annual budget and forecast cycle, focusing on improving the integration of credit metrics.
  • Within 12 months: Lead an initiative to automate or streamline the transfer of key credit data into the FP&A platform.

Quick win: Ask for access to our FP&A platform (if you don't have it) and spend some time exploring how it works and where credit data fits in.

11Staying current once you are in

What people here do to keep up
  • Regularly attend industry conferences and seminars on credit risk, collections best practices, and financial technology (FinTech).
  • Participate in professional networking groups for credit managers to share insights and learn from peers.
  • Undertake continuous professional development (CPD) through online courses or workshops focused on advanced financial modelling, data analytics, or leadership skills.
  • Read leading finance publications and journals to stay abreast of economic trends and regulatory changes that impact credit.

12The rising capability

The rising capability

Zavmo analysis

What's rising in its place

This is where the work is heading, and the higher pay with it. Get fluent here and the shift stops being a threat and starts being your edge.

Ethical AI & Algorithmic Bias in Credit Decisions

As AI becomes more integrated into credit scoring and decision-making, understanding and mitigating algorithmic bias is crucial. Regulators are increasingly scrutinising fairness in automated systems. If our models are biased, we face legal and reputational risks, not to mention making poor decisions.

  • Fairness Metrics (e.g., disparate impact, equal opportunity)
  • Explainable AI (XAI) for Credit
  • Data Governance for AI
  • Regulatory Landscape for AI in Finance

Advanced Data Storytelling & Visualisation

With more data comes more noise. Your ability to cut through that noise and tell a compelling, actionable story with data will differentiate you. Senior leadership doesn't want raw numbers; they want insights that drive decisions. This is about influencing, not just reporting.

  • Narrative Structure for Data
  • Visual Best Practices for Complex Data
  • Audience-Centric Communication
  • Actionable Insights vs. Data Dumps

13What you’ll use

What you’ll use

Skills this role draws on

Technical

  • Financial Statement Analysis (Strategic Oversight)
  • Credit Risk Modelling (Design & Audit)
  • Collections & Workout Strategy (Overall Design)
  • Trade Credit Policy & Governance (Authoring & Enforcement)
  • Risk Mitigation Instruments (Strategic Deployment)
  • Working Capital Management (Departmental Impact)

14The pathway

The pathway

How you actually get there, here

How you become one varies far more by country than what one does. This is the UK route. Most people take one of these ways in; the right one depends on where you're starting from.

  1. 1

    Senior Credit Analyst to Credit Manager

    3-5 years as a Senior Credit Analyst

    Skills to master

    • Moving from individual contributor to team leader. This means developing strong coaching, delegation, and performance management skills. You'll need to master strategic decision-making, not just tactical execution, and get comfortable with policy development.

    You're ready to move on when

    • Successfully mentored junior analysts and taken ownership of complex projects.
    • Demonstrated ability to make independent, high-stakes credit decisions and defend them.
    • Proactively identified and proposed improvements to credit processes or policies.
    • Consistently met or exceeded individual portfolio targets (e.g., bad debt, DSO).
  2. 2

    Finance Manager (with Credit Exposure) to Credit Manager

    4-6 years in a broader finance management role

    Skills to master

    • You'll need to deepen your specific credit risk assessment and collections strategy skills. While you might have managed teams, you'll need to specialise in the nuances of credit policy, regulatory compliance, and specific risk mitigation instruments. It's about applying your management skills to a focused domain.

    You're ready to move on when

    • Managed a team responsible for at least a component of the Order-to-Cash cycle.
    • Strong understanding of financial accounting and reporting, with some exposure to credit metrics.
    • Demonstrated ability to influence cross-functional teams and drive process improvements.
    • A clear interest and aptitude for deep-diving into credit risk analysis and policy.

15Where this role leads

The long view: This role can lead to senior finance leadership positions such as VP Treasury and Risk or Chief Financial Officer.

16Pay and demand

Pay & demand

The figure is the median for full-time employees in the ONS occupation this job title codes to (Financial accounts managers), from the April 2025 survey, about six months old when published, as ASHE always is. It is that occupation's middle, not this role's. Half earn more.

The ten Future Fluencies

Zavmo analysis

The credential is what you can do today. These are what keep you valuable.

A qualification proves you can do the job as it's defined today. These ten are what decide whether you're still the obvious person for it in five years. They're the capabilities employers are now writing into senior roles faster than people are learning them. Zavmo weaves them through whatever you study, so you come out with both: the credential and the fluency.

The highlighted ones are the Fluencies your role leans on hardest, from how Credit Manager is actually changing.

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 Advanced Credit Risk Management, worked against Credit Manager.

Advanced Credit Risk Management Level 5

Applied to your work in Credit Manager

This unit aims to provide learners with a comprehensive understanding of advanced credit risk management. Learners will explore different approaches to credit risk management, assess credit risk using appropriate tools and techniques, and recommend improvements to existing processes and procedures within an organisation.

How the thinking builds
  1. 1 Remember
  2. 2 Understand
  3. 3 Apply
  4. 4 Analyse
  5. 5 Evaluate
  6. 6 Create
An illustration of a Zavmo lesson, built from this role’s own route. The unit, its objective and every criterion above are the awarding body’s own words, not an example.

It is £70 a month, billed monthly. Your free first module is Future Fluency, and you can cancel any time.

See Your Progress Grow Illustration
Credit Manager
  • Financial Statement Analysis (Strategic Oversight)
  • Credit Risk Modelling (Design & Audit)
  • Collections & Workout Strategy (Overall Design)
  • Trade Credit Policy & Governance (Authoring & Enforcement)
  • Risk Mitigation Instruments (Strategic Deployment)
  • Working Capital Management (Departmental Impact)
This is your Mind Palace on learn.zavmo.ai. Every skill above comes from this role's own record, not an example borrowed from another job. A node lights up when you evidence it, and what you build stays yours between jobs. That is the part a course cannot do.

17The detail, folded away

Everything else the record holds

The career branches in full, how AI is already showing up in the day-to-day, and the questions people ask about this job. Here when you want them, out of the way while you decide.

Where it leads next, rung by rung

Where it leads

The career path, and where it branches

Credit Manager is a start, not a ceiling. Each step below asks for new skills and hands back more autonomy.

  1. Director of Credit

    3-5 years as Credit Manager

    Level 6 (Director/VP)

    • Strategic Vendor Management (Credit Bureaus, Insurers) Leading negotiations and managing relationships with key external partners.
    • M&A Due Diligence (Credit Component) Assessing credit risk exposure during mergers and acquisitions.
    • Advanced Credit Portfolio Optimisation Using sophisticated models to optimise risk-adjusted returns across the entire customer base.
  2. Head of Treasury Operations

    4-6 years as Credit Manager

    Level 6 (Director/VP)

    • Investment Management (short-term) Overseeing the investment of surplus cash to maximise returns within risk parameters.
    • Bank Relationship Management Cultivating strong relationships with banking partners for funding and services.
    • Treasury Technology Implementation Leading projects to implement and optimise treasury management systems.
Working with AI on the job

Working with AI

Where AI is starting to help

Let's be real, running a credit department involves a lot of heavy lifting – from policy setting to team management, and of course, those tricky credit decisions. What if you could reclaim a significant chunk of your week, not by working less, but by working smarter? Our AI Productivity Hub is designed to do just that, giving you the tools to automate the mundane and focus on the strategic.

For a Credit Manager, AI isn't just a buzzword; it's a game-changer. Imagine having a digital assistant that handles the grunt work, allowing you to spend more time coaching your team, refining policy, and making those high-impact, complex decisions. This isn't about replacing your judgment; it's about augmenting it, giving you better data, faster insights, and more time to lead.

Automated Financial Spreading Oversight

Oversee AI tools that ingest PDF financial statements and automatically extract key data, populating your team's Excel models. This frees up your analysts from hours of tedious data entry, allowing them to focus on analysis rather than transcription. You'll be auditing the AI's output, not doing the manual work.

Predictive Payment Behaviour for Strategic Planning

Use AI-driven insights that analyse customer transaction history, seasonality, and communication patterns to predict when customers will actually pay. This allows you to fine-tune cash flow forecasts, optimise collections strategies, and proactively manage liquidity at a departmental level.

Continuous Portfolio Risk Monitoring

Deploy an AI assistant that constantly scans news, social media, and legal filings for negative sentiment or trigger events related to your key accounts and overall portfolio. Get early alerts on potential risks (e.g., lawsuits, executive departures, industry downturns), allowing you to proactively adjust credit limits or collections approaches.

Empathetic Collections Automation & Strategy

Design and oversee AI-driven systems that draft and schedule initial collection reminder emails, tailoring tone and language based on customer history and value. This automates the first layer of collections, freeing up your team to focus on high-value, complex delinquent accounts and allowing you to refine the overall collections strategy.

Common questions

Common questions

How do you become a Credit Manager?

Common routes in include Senior Credit Analyst to Credit Manager (3-5 years as a Senior Credit Analyst) and Finance Manager (with Credit Exposure) to Credit Manager (4-6 years in a broader finance management role). Times vary with prior experience.

Where can a Credit Manager progress to?

This role can lead on to Director of Credit (3-5 years as Credit Manager) and Head of Treasury Operations (4-6 years as Credit Manager), depending on the skills you build.

What new skills matter most for a Credit Manager?

Increasingly, Ethical AI & Algorithmic Bias in Credit Decisions and Advanced Data Storytelling & Visualisation. These are the skills our record of this role lists as growing.

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.

18Where to go from here

Other roles at Level 5

Same depth of qualification, different job. Useful if the work appeals but this particular role does not.

More jobs in finance

Stay in the field you know and move sideways rather than up.

If you leave this industry

Financial analysis, risk management, team leadership and decision making carry across industries such as manufacturing, tech and retail. These skills can also lead into consulting work on working capital and risk. The principles of getting paid apply in most sectors.

This role profile is © 2026 Growth Engineering Technologies Ltd. Built from UK occupational standards and regulated qualification data, and written for Zavmo.

You're not behind. You're right on time. The shift is only just beginning. Your role won't look the same in two years. Be the one who leads the change, not the one it happens to. Start my free Automation Fluency module What happens next: a free account, then we build your plan as you set up. No card. Build your plan, see your roadmap and meet the twelve tutors matched to you. All free. When you're ready to start learning, it's £70 a month, billed monthly. Cancel any time and billing stops.