SAQA All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.
SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD: 

Manage debtor portfolio 
SAQA US ID UNIT STANDARD TITLE
116599  Manage debtor portfolio 
ORIGINATOR
SGB Administration 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
-  
FIELD SUBFIELD
Field 03 - Business, Commerce and Management Studies Office Administration 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
Undefined  Regular-Fundamental  Level 4  NQF Level 04 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Reregistered  2018-07-01  2023-06-30  SAQA 06120/18 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2024-06-30   2027-06-30  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This unit standard does not replace any other unit standard and is not replaced by any other unit standard. 

PURPOSE OF THE UNIT STANDARD 
This unit forms part of the qualification FETC: Credit Recovery. This Standard is for learners working within a Debt Recovery Environment, specializing in either; Debt Collecting or Credit Management This standard will also add value to learners who have their own or wish to start their own Debt Recovery business. This standard will also add value to learners working within a division of a large organisation performing the function of Debt Recovery.

The qualifying learner is capable of:
  • Updating and verifying debtor contact details
  • Maintaining records
  • Diarising procedures
  • Providing detailed statement of account
  • Adjusting claim and updating amounts 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    It is assumed that learners are competent in:
  • Communication at NQF Level 3
  • Computer Literacy at NQF Level 3
  • Mathematical Literacy at NQF Level 3 

  • UNIT STANDARD RANGE 
    N/A 

    Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Update and verify debtor contact details. 
    OUTCOME RANGE 
    Debtor includes individual or joint and several parties to debt. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Telephone numbers for debtors are obtained and validated using organizational procedures. 
    ASSESSMENT CRITERION RANGE 
    Telephone numbers obtained extend to cellular, home, spouse, next of kin, and the numbers of references.
     

    ASSESSMENT CRITERION 2 
    Address details for debtors are validated and recorded using organizational procedures. 
    ASSESSMENT CRITERION RANGE 
    Address details include physical and postal addresses.
     

    ASSESSMENT CRITERION 3 
    Employer details of debtors are validated and recorded using organizational procedures. 

    ASSESSMENT CRITERION 4 
    Sureties relating to debtor accounts are validated and recorded using organizational procedures. 

    ASSESSMENT CRITERION 5 
    Employment details are validated and recorded using organizational procedures. 
    ASSESSMENT CRITERION RANGE 
    Employment details include but are not limited to the name of employee and clock number.
     

    ASSESSMENT CRITERION 6 
    Marriage status and type of marriage contract is ascertained using organizational procedures. 
    ASSESSMENT CRITERION RANGE 
    Marriage contracts extend to Community of Property and Antenuptual Contracts.
     

    SPECIFIC OUTCOME 2 
    Maintain records. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Case history is updated as per debtor interaction. 

    ASSESSMENT CRITERION 2 
    Details of conversation are clearly captured in relevant files and format. 
    ASSESSMENT CRITERION RANGE 
    Relevant files include but are not limited to written, voice recording and computerized.
     

    ASSESSMENT CRITERION 3 
    Media Actions and dates for follow-up are diarised using organizational procedures. 
    ASSESSMENT CRITERION RANGE 
    Media includes but are not limited to written, voice recording and computerised.
     

    SPECIFIC OUTCOME 3 
    Diarise procedures. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Notes for follow-up calls are captured in accordance with organisational procedures. 

    ASSESSMENT CRITERION 2 
    Prioritisation for daily, weekly and monthly actions are reviewed on an on-going basis. 

    ASSESSMENT CRITERION 3 
    Any actions outside of work parameters are referred to supervisor or relevant authority for permission. 

    ASSESSMENT CRITERION 4 
    Handover of case to a third party is ensured when necessary and according to organizational procedures and policy. 
    ASSESSMENT CRITERION RANGE 
    Third parties include but are not limited to lawyers, debt collectors, sheriffs, court, trusts.
     

    SPECIFIC OUTCOME 4 
    Provide detailed statement of account. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Outstanding balances are calculated and provided to debtor. 
    ASSESSMENT CRITERION RANGE 
    Calculations include but are not limited to interest, debits, credits and receipts, in-duplum. Calculations include manual and automated calculations.
     

    ASSESSMENT CRITERION 2 
    Fees are added to statements where relevant. 

    ASSESSMENT CRITERION 3 
    Legislative processes that regulate interest are adhered to at all times. 

    ASSESSMENT CRITERION 4 
    A statement that reflects all debits and credits is produced in the required format and time scale. 

    ASSESSMENT CRITERION 5 
    Client instructions for debt collecting liquidation sequence is considered in relation to interest, cost and capital. 
    ASSESSMENT CRITERION RANGE 
    Debits relate to interest percentage, days on which interest is calculated, legislative processes. Credits include but are not limited to legal costs, debt collection costs, VAT (Value Added Tax).
     

    ASSESSMENT CRITERION 6 
    Appropriate journals are initiated as per organisational requirements. 
    ASSESSMENT CRITERION RANGE 
    Journals include debits and credits.
     

    SPECIFIC OUTCOME 5 
    Adjust claim and update ammounts. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Appropriate journals are initiated according to organizational procedures and policy. 
    ASSESSMENT CRITERION RANGE 
    Journals include debits and credits.
     

    ASSESSMENT CRITERION 2 
    Recalculations are undertaken to determine new balances. 

    ASSESSMENT CRITERION 3 
    Financial records are adjusted and updated according to organizational procedures and policy. 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
  • An individual wishing to be assessed (including through RPL) against this Unit Standard may apply to an assessment agency, assessor or provider institution accredited by the relevant ETQA, or an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Anyone assessing a learner against this Unit Standard must be registered as an assessor with the relevant ETQA or with an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Any institution offering learning that will enable achievement of this Unit Standard or assessing this Unit Standard must be accredited as a provider with the relevant ETQA or with an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Moderation of assessment will be conducted by the relevant ETQA at its discretion. 

  • UNIT STANDARD ESSENTIAL EMBEDDED KNOWLEDGE 
  • Code of conduct
  • Client agreements
  • Calculating interest
  • Principles of debiting costs
  • Cost schedules
  • Journals and principles of accounting related to collections 

  • UNIT STANDARD DEVELOPMENTAL OUTCOME 
    N/A 

    UNIT STANDARD LINKAGES 
    N/A 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO WORKING 
    Learners are able to work effectively with others in order to ensure that all relevant debtor records are updated and calculated. 

    UNIT STANDARD CCFO ORGANISING 
    Learners are able to organise themselves and their activities to ensure that debt collection schedules are adhered to on a daily, weekly and monthly basis. 

    UNIT STANDARD CCFO COLLECTING 
    Learners are able to collect, evaluate, organise and critically evaluate information pertaining to debtor details and the financial information necessary to ensure correct calculations for journal entries and the compilation of statements. 

    UNIT STANDARD CCFO COMMUNICATING 
    Learners are able to communicate effectively with all stakeholders to ensure that debtor portfolio is managed according to regulations and client procedures. 

    UNIT STANDARD CCFO SCIENCE 
    Learners are able to use science and technology to capture data pertaining to debtors and all costs and financial calculations related thereto. 

    UNIT STANDARD CCFO DEMONSTRATING 
    Learners are able to demonstrate an understanding of the world as a set of interrelated systems by recognizing that debtor problem-solving contexts do not exist in isolation. 

    UNIT STANDARD ASSESSOR CRITERIA 
    N/A 

    REREGISTRATION HISTORY 
    As per the SAQA Board decision/s at that time, this unit standard was Reregistered in 2012; 2015. 

    UNIT STANDARD NOTES 
    N/A 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Core  57901   Further Education and Training Certificate: Credit Management  Level 4  NQF Level 04  Reregistered  2023-06-30  FASSET 
    Core  49021   Further Education and Training Certificate: Debt Recovery  Level 4  NQF Level 04  Reregistered  2023-06-30  FASSET 
    Elective  93997   National Certificate: Contact Centre and Business Process Outsourcing Support  Level 3  NQF Level 03  Reregistered  2021-06-30  As per Learning Programmes recorded against this Qual 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    1. ACADEMY BUSINESS SCHOOL 
    2. BC TRAINING ACADEMY 
    3. Boston City Campus & Business Coll 
    4. BRIGHT IDEA PROJECTS 447 PTY LTD T/A MIND -THE- GAP 
    5. CBM TRAINING PTY LTD 
    6. Chartall Business College 
    7. CUSTOMER CENTRIC SOLUTIONS PTY LTD 
    8. DIBANISA LEARNING 
    9. OSCAR MADLALA CONSULTING AND PROJECTS CC 
    10. PRODUCTION MANAGEMENT INSTITUTE OF SOUTHERN AFRICA PTY LTD 
    11. SELLDIRECT MARKETING PTY LTD 
    12. THE CONSORTIUM FOR LANGUAGE & DIMENSIONAL DYNAMICS 
    13. THE IMAGE FIRM STUDIOS PTY LTD 



    All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.