- How long it takes
- 6 to 24 months
- typical for this level
- Taught by
- 2 providers
- Every state and territory
Is this course right for you?
What the Certificate IV in Credit Management asks of you, and what you might want to check first.
It helps to have
- an interest in helping people manage money and debt
- a careful approach to following rules and checking details
- good communication skills for dealing with customers and disputes
- confidence to make decisions and stand by them
Before you start
The qualification has no set entry requirements, but each provider can add its own.
Certificate IV or Diploma?
The Diploma of Credit Management is the higher level. This Certificate IV reflects roles that apply theoretical and technical skills and knowledge to work autonomously and exercise judgement in routine and non-routine credit, reconciliation and customer service activities.
See the courseWhere this course can take you
No job needs this course on its own, but it can help with the work below.
Jobs this course can help with
None of these jobs needs a set qualification.
Credit Controller
Credit controllers set and manage the credit a business extends to its customers, then recover the invoices that run past their terms.
Median pay$93,900
Debt Collector
Debt collectors contact people and businesses with overdue accounts and work out payment plans or settlements so creditors recover what they're owed.
Median pay$79,000
If you study further
Diploma of Financial Counselling
Leads to work as a, median pay $56,900 (estimate).
Bachelor of Accounting and Finance
Leads to work as a, median pay $104,200.
Pay is the median for everyone in the job, and “In demand” means the job is on the national shortage list. Pay marked as an estimate is our own analysis, not a published figure.
Where you can study this course
There are 2 places you can study this course. When you compare them, check they teach it the way you want to study, how far you'd be from a campus, what it will cost you and what past students say about the teaching and support. They're listed by how often people search for them, and none of them pays to be here or to move up.
- Website for Kaplan Professional (opens in a new tab)
Kaplan Professional
3 campuses, NSW, QLD, VIC
3.8from 93 Google reviews
- Website for Institute of Strategic Management (opens in a new tab)
Institute of Strategic Management
What you’ll learn
10 units: 7 that everyone takes and 3 you choose.
- Assessing credit applications
- Setting security for loans
- Managing overdue accounts
- Resolving credit disputes
- Working within compliance rules
- Risk management in your role
See all 7 core units
Core units
Everyone completes these. Select a unit to see what it covers.
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Questions to ask before you enrol
Providers run this course differently, so the answers change from one to the next.
- When is the next intake, and how many are there each year?
- What is the total cost, including materials, checks and any placement costs?
- Can I study part time or online, and how does that change the length?
- Do the units count towards a higher qualification if I go on to study further?
Questions people ask
Who is this qualification for?
It suits someone already working in accounts, collections or customer service who wants to take on the credit decisions rather than just pass them along. You learn to assess whether an applicant can repay, what security to take, and how to chase an overdue account without losing the customer.
Do I need experience or other qualifications first?
This qualification itself has no entry requirements. Individual providers can set their own conditions, so check with the provider you choose.
Is a licence, registration or check required to work in this area?
Work functions in the occupational areas where this qualification is used may be subject to regulatory requirements. Refer to the relevant regulator for specific guidance on requirements.
How is it different from Diploma of Credit Management?
The Diploma of Credit Management is the higher level. This Certificate IV reflects roles that apply theoretical and technical skills and knowledge to work autonomously and exercise judgement in routine and non-routine credit, reconciliation and customer service activities.