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Certificate IV in Credit Management

This qualification is for people who look after credit for a lender, a utility, a retailer or any business that lets customers pay later.

  • Course code: FNS40122

Where you can study this course

Where

  • Kaplan Professional

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    Campuses
    3 campuses
    Duration
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    What students say

    Students speak highly of the course content and student support, though many found student support hard to reach and some had trouble with communication and admin, which matters if you want help to be easy to get.

  • Institute of Strategic Management

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Last reviewed 21 September 2026.

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Is this course right for you?

Entry requirements

Nil

  • Providers can set their own conditions, such as a minimum age or a current job in the industry, and practical training may need a workplace placement. Check each provider above.
  • 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.

Entry recommendations

To be prepared for this course, 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

What will you learn?

You learn how to assess whether an applicant can repay, what security to take, and how to chase an account that has fallen behind without losing the customer. There is also a strong compliance thread: disputes, privacy and responsible lending rules run through everything, so you learn to make decisions that hold up if they are questioned. 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.

  • Assessing credit applications
  • Setting security for loans
  • Managing overdue accounts
  • Resolving credit disputes
  • Working within compliance rules
  • Risk management in your role

Units of competency (7 core, 3 elective)

The qualification is made up of 10 units. Everyone completes the 7 core units below, and the remaining 3 are electives chosen from the list on training.gov.au, so they vary by provider. Select a unit to see what it covers.

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Where this fits

Certificate IV in Credit Management in finance: the study that leads into it, the study that follows, and other routes at the same level.

Before

No earlier step listed.

You are looking at

Certificate IV

Certificate IV in Credit Management

After

DiplomaDiploma of Credit ManagementIf you want to set the rules a credit team works to, or handle accounts that go wrong and insolvency, this diploma builds on the credit decisions you make at Certificate IV level.
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Data from training.gov.au and the Australian Bureau of Statistics (CC BY 4.0).