Business, Commerce and Management Studies Office Administration

Debtor Portfolio Management For Corporate Credit Control Training

SAQA US 116599 | NQF 4 | Credits 6 | Duration 3 Days
From $967 per delegate

Description

This course equips credit control professionals with the skills to effectively manage a debtor portfolio, ensuring optimal cash flow and minimising credit risk. Participants will learn to analyse debtor ageing, implement collection strategies, and maintain customer relationships while adhering to corporate credit policies.

Learning Outcomes

  • Analyse debtor ageing reports to identify high-risk accounts and prioritise collection efforts.
  • Apply credit control policies and procedures to manage debtor portfolios effectively.
  • Evaluate the financial health of debtors using relevant financial indicators.
  • Implement strategies to reduce overdue accounts and improve cash flow.
  • Demonstrate effective communication techniques for negotiating payment plans with debtors.
  • Design a debtor management action plan that aligns with organisational credit risk appetite.

Target Audience

This course is designed for credit controllers, accounts receivable managers, and finance professionals responsible for managing debtor portfolios in corporate environments.

Prerequisites

None — open enrollment

Course Outline

Day 1: Foundations of Debtor Portfolio Management

Objectives:
• Define key principles of corporate credit control and debtor management
• Identify the components and structure of a debtor portfolio
• Explain the legal and regulatory framework governing credit in South Africa
• Apply basic techniques for assessing customer creditworthiness
• Describe the role of credit policies in portfolio management

Topics:
• Introduction to corporate credit control and its business impact
• Components of a debtor portfolio: accounts receivable, aging analysis, and concentration risk
• Overview of the National Credit Act (NCA) and other relevant South African legislation
• Fundamentals of credit assessment: financial statements, credit reports, and scoring models
• Developing and implementing effective credit policies and procedures
• Ethical considerations and professional conduct in credit management
• Introduction to portfolio segmentation strategies
• Setting credit limits and terms of trade

Day 2: Advanced Portfolio Analysis and Risk Mitigation

Objectives:
• Analyse debtor portfolio performance using key metrics and ratios
• Evaluate and categorise portfolio risk using advanced segmentation techniques
• Implement proactive strategies for early identification of potential defaults
• Develop and apply effective debt collection procedures and escalation protocols
• Utilise technology and systems for efficient portfolio monitoring and reporting

Topics:
• Portfolio performance metrics: DSO, bad debt ratios, and collection effectiveness index
• Advanced risk segmentation: by industry, customer size, payment history, and geographic location
• Early warning indicators and red flags for potential default
• Structured debt collection processes: reminder systems, negotiation techniques, and legal prerequisites
• Technology in credit control: CRM systems, automated reporting, and data analytics tools
• Managing high-risk accounts and developing recovery strategies
• Cash flow forecasting and its relationship to portfolio management
• Case studies on portfolio analysis and intervention

Day 3: Strategic Integration and Continuous Improvement

Objectives:
• Integrate debtor portfolio management with broader organisational financial strategy
• Design and implement a continuous improvement plan for credit control processes
• Apply advanced techniques for portfolio optimisation and profitability enhancement
• Develop effective communication and reporting frameworks for stakeholders
• Create a personal action plan for applying course learnings in the workplace

Topics:
• Aligning credit control with corporate strategy, sales, and finance departments
• Continuous improvement methodologies: benchmarking, KPI tracking, and process refinement
• Advanced techniques for portfolio optimisation: customer profitability analysis and strategic credit decisions
• Reporting to management: dashboard creation, variance analysis, and strategic recommendations
• Building relationships with internal stakeholders and external customers
• Scenario planning and stress testing the debtor portfolio
• Developing a personal implementation plan for workplace application
• Course review, assessment preparation, and Q&A session

Practicals

No practicals for this training.

This course is made up of exercises and case studies delivered alongside the theory — no separate practical sessions are required to complete it.

Summatives

Each delegate is assessed continuously throughout the course and a final summative test at the end.

Daily Exercises — 30%

Every training day ends with a multiple-choice exercise scored out of 100%. The scores from each daily exercise are averaged across the duration of the course to produce a Daily Average mark, which contributes 30% to the final total.

Final Test — 70%

On the last day a final summative test is written. It is a multiple-choice paper with multiple-answer questions: each question may have more than one correct option, and a single wrong selection on a question marks the entire question wrong — no partial credit. The final test is scored out of 100% and contributes 70% to the overall mark.

Final Total
Component Out of Weight
Daily Average (multiple choice) 100% 30%
Final Test (multi-answer multiple choice) 100% 70%
Final Total 100%

All marks are recorded on the AATICD LMS and visible to each learner under their account.

Certificate

Certificate of Completion

Awarded to delegates who achieve an overall mark of 50% or higher on the Final Total (Daily Average 30% + Final Test 70%).

How it works
  • Certificates are auto-generated on the AATICD LMS as soon as the marks pass the 50% threshold.
  • Each certificate is a branded PDF with the delegate's name, the course title, the unit standard ID, NQF level, credits, and the date of issue.
  • You can download or print your certificate from your LMS dashboard at any time after issue — there's no reissue fee and no expiry date.
  • If you scored under 50% you can sit the final test again at the next scheduled session at no extra cost.
Where to find it

Sign in to the LMS, open your dashboard, and your certificates appear under My Certificates. Each entry has a View / Download button and a print option.

Training Discounts

Group discounts apply automatically — the more delegates you enrol, the greater the saving. Discounts are calculated at 3% per 5 delegates, scaling up to 40% off for 100+ delegates.

Delegates Discount
5 3% off
10 6% off
15 9% off
20 12% off
25 15% off
30 18% off
50 30% off
75 35% off
100 40% off

3% discount per 5 delegates, up to 40% off for 100+ delegates. Contact us for a custom group quote.

Upcoming Training Sessions
Online training — attend live sessions from anywhere via our virtual classroom.
Start End Delivery Season Price Action
Mon 07 Sep 2026 Wed 09 Sep 2026 Virtual Spring 2026 $967 Register
Wed 30 Sep 2026 Fri 02 Oct 2026 Virtual Spring 2026 $967 Register
Tue 20 Oct 2026 Thu 22 Oct 2026 Virtual Spring 2026 $967 Register
Mon 07 Dec 2026 Wed 09 Dec 2026 Virtual Summer 2026 $967 Register
Wed 13 Jan 2027 Fri 15 Jan 2027 Virtual Summer 2026 $967 Register
Tue 16 Feb 2027 Thu 18 Feb 2027 Virtual Summer 2026 $967 Register
Mon 01 Mar 2027 Wed 03 Mar 2027 Virtual Autumn 2027 $967 Register
Wed 10 Mar 2027 Fri 12 Mar 2027 Virtual Autumn 2027 $967 Register
Tue 16 Mar 2027 Thu 18 Mar 2027 Virtual Autumn 2027 $967 Register
Mon 07 Jun 2027 Wed 09 Jun 2027 Virtual Winter 2027 $967 Register
Wed 30 Jun 2027 Fri 02 Jul 2027 Virtual Winter 2027 $967 Register
Tue 20 Jul 2027 Thu 22 Jul 2027 Virtual Winter 2027 $967 Register
Mon 06 Sep 2027 Wed 08 Sep 2027 Virtual Spring 2027 $967 Register
Wed 29 Sep 2027 Fri 01 Oct 2027 Virtual Spring 2027 $967 Register
Tue 19 Oct 2027 Thu 21 Oct 2027 Virtual Spring 2027 $967 Register
Mon 06 Dec 2027 Wed 08 Dec 2027 Virtual Summer 2027 $967 Register
Wed 29 Dec 2027 Fri 31 Dec 2027 Virtual Summer 2027 $967 Register
Tue 18 Jan 2028 Thu 20 Jan 2028 Virtual Summer 2027 $967 Register
On-Campus training — face-to-face sessions at our training venues across Africa and beyond.
Showing all 492 sessions across 26 venues
Start End Venue Season Price Action
Mon 10 Aug 2026 Wed 12 Aug 2026 Abu Dhabi, UAE Winter 2026 $4,552 Register
Mon 10 Aug 2026 Wed 12 Aug 2026 Cape Town, South Africa Winter 2026 $2,392 Register
Tue 11 Aug 2026 Thu 13 Aug 2026 Durban, South Africa Winter 2026 $2,230 Register
Tue 11 Aug 2026 Thu 13 Aug 2026 Dubai, UAE Winter 2026 $4,552 Register
Wed 12 Aug 2026 Fri 14 Aug 2026 Pretoria, South Africa Winter 2026 $1,447 Register
In-House training — we bring the trainer to your organisation, tailored to your team.
Start End Delivery Season Price Action
Tue 15 Sep 2026 Thu 17 Sep 2026 Your Premises Spring 2026 $1,258 Register
Mon 05 Oct 2026 Wed 07 Oct 2026 Your Premises Spring 2026 $1,258 Register
Wed 28 Oct 2026 Fri 30 Oct 2026 Your Premises Spring 2026 $1,258 Register
Tue 15 Dec 2026 Thu 17 Dec 2026 Your Premises Summer 2026 $1,258 Register
Mon 18 Jan 2027 Wed 20 Jan 2027 Your Premises Summer 2026 $1,258 Register
Wed 24 Feb 2027 Fri 26 Feb 2027 Your Premises Summer 2026 $1,258 Register
Tue 09 Mar 2027 Thu 11 Mar 2027 Your Premises Autumn 2027 $1,258 Register
Mon 15 Mar 2027 Wed 17 Mar 2027 Your Premises Autumn 2027 $1,258 Register
Wed 24 Mar 2027 Fri 26 Mar 2027 Your Premises Autumn 2027 $1,258 Register
Tue 15 Jun 2027 Thu 17 Jun 2027 Your Premises Winter 2027 $1,258 Register
Mon 05 Jul 2027 Wed 07 Jul 2027 Your Premises Winter 2027 $1,258 Register
Wed 28 Jul 2027 Fri 30 Jul 2027 Your Premises Winter 2027 $1,258 Register
Tue 14 Sep 2027 Thu 16 Sep 2027 Your Premises Spring 2027 $1,258 Register
Mon 04 Oct 2027 Wed 06 Oct 2027 Your Premises Spring 2027 $1,258 Register
Wed 27 Oct 2027 Fri 29 Oct 2027 Your Premises Spring 2027 $1,258 Register
Tue 14 Dec 2027 Thu 16 Dec 2027 Your Premises Summer 2027 $1,258 Register
Mon 03 Jan 2028 Wed 05 Jan 2028 Your Premises Summer 2027 $1,258 Register
Wed 26 Jan 2028 Fri 28 Jan 2028 Your Premises Summer 2027 $1,258 Register
Training Discounts
Delegates Discount
5 3% off
10 6% off
15 9% off
20 12% off
25 15% off
30 18% off
50 30% off
75 35% off
100 40% off

3% off per 5 delegates, up to 40% for 100+

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