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: 

Assess and allocate debt collecting accounts according to risk profile 
SAQA US ID UNIT STANDARD TITLE
116610  Assess and allocate debt collecting accounts according to risk profile 
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 standard forms part of the qualification, National Certificate in Credit Recovery. This standard will add value to learners who have their own or wish to start their own Debt Recovery business, or those doing debt recovery in large Debt Recovery organisations. This standard will also add value to learners working in a large commercial organisation in the Debt Recovery/Credit control division.

The qualifying learner is capable of:
  • Evaluating debtor accounts
  • Profiling accounts
  • Allocating and logging accounts
  • Reviewing allocation on an ongoing basis 

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

  • UNIT STANDARD RANGE 
    N/A 

    Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Evaluate debtor accounts. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Debtor accounts are obtained from relevant source. 
    ASSESSMENT CRITERION RANGE 
    Debtor accounts can be obtained from a variety of sources including but not limited to internal parties, credit grantors and databases.
     

    ASSESSMENT CRITERION 2 
    List is reviewed and any queries relating thereto are clarified with the credit grantor. 

    ASSESSMENT CRITERION 3 
    All credit grantor procedures are noted and adhered to at all times. 
    ASSESSMENT CRITERION RANGE 
    Credit grantor procedures include but are not limited to methods and preferred ways for debtors to be handled, credit grantor service level agreements and protocol.
     

    ASSESSMENT CRITERION 4 
    Outstanding amounts are evaluated to determine how database will be categorised. 
    ASSESSMENT CRITERION RANGE 
    Debtor accounts can be obtained from a variety of sources including but not limited to internal parties, credit grantors and databases.
     

    ASSESSMENT CRITERION 5 
    Debtor details are validated using organizational procedures. 

    SPECIFIC OUTCOME 2 
    Profile accounts. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Risk profiles are determined by reviewing debtor account history. 
    ASSESSMENT CRITERION RANGE 
    Risk is determined according to overdue accounts, profitability, cost thresholds, time, amount, contactability, other related debtor history, age analysis, complexity of accounts, prior collections history, prescription of accounts.
     

    ASSESSMENT CRITERION 2 
    Viability of collections is determined according to profitability. 
    ASSESSMENT CRITERION RANGE 
    Viability is determined according to contactability, affordability, industry specific trends, related costs.
     

    ASSESSMENT CRITERION 3 
    Accounts are classified according to risk profile. 

    ASSESSMENT CRITERION 4 
    Interest is determined on outstanding amounts. 

    ASSESSMENT CRITERION 5 
    Collection costs are factored into outstanding amounts. 
    ASSESSMENT CRITERION RANGE 
    Costings include but are not limited to costs and fees as prescribed by law.
     

    ASSESSMENT CRITERION 6 
    Costings of collection actions are determined according to operational costs or expenses. 
    ASSESSMENT CRITERION RANGE 
    Costings include all related operational costs.
     

    SPECIFIC OUTCOME 3 
    Allocate and log accounts. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Accounts are allocated according to specified requirements. 
    ASSESSMENT CRITERION RANGE 
    Accounts allocation includes but is not limited to geographical locations, alphabetical breakdowns, affordability, language.
     

    ASSESSMENT CRITERION 2 
    Accounts are logged onto system so that records can be maintained according to organizational requirements. 
    ASSESSMENT CRITERION RANGE 
    Record tools and systems include but are not limited to manual and electronic systems.
     

    ASSESSMENT CRITERION 3 
    Deadlines for resolving accounts are determined and agreed to and an age analysis for recording purposes is drawn up per debtor. 

    ASSESSMENT CRITERION 4 
    Any special accounts are noted and the details recorded accordingly. 
    ASSESSMENT CRITERION RANGE 
    Special accounts include but are not limited to creditor service level agreements and specifications.
     

    ASSESSMENT CRITERION 5 
    Any historical data pertaining to debtor is logged onto system. 

    ASSESSMENT CRITERION 6 
    Collection plan is compiled and logged according to debtor profile. 

    SPECIFIC OUTCOME 4 
    Review allocation on an ongoing basis. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    Age analysis is reviewed on an ongoing basis. 

    ASSESSMENT CRITERION 2 
    Problem accounts are noted, evaluated and moved to next appropriate level of action. 
    ASSESSMENT CRITERION RANGE 
    Appropriate level of action includes but is not limited according to system credit parameters and levels of authority.
     

    ASSESSMENT CRITERION 3 
    Risk profiles are revisited and accounts reallocated accordingly. 

    ASSESSMENT CRITERION 4 
    Reports are submitted to credit grantors according to reviews. 

    ASSESSMENT CRITERION 5 
    All changes are documented according to organisational procedures. 


    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 
  • Risk and debt profiling
  • Organisational rules and regulations
  • Accounting principles and practices, ie. understanding debits and credits, journals
  • Credit Grantor procedures and agreements
  • Liability and obligations
  • Interest and operational costs
  • Classification of debt and debt collecting principles
  • Levels of authority pertaining to debt collecting actions
  • Processes used in debt collecting
  • Computerised and manual systems and record tools for debt collecting
  • Principles of personal finance
  • Common procedures in debt collecting 

  • UNIT STANDARD DEVELOPMENTAL OUTCOME 
    N/A 

    UNIT STANDARD LINKAGES 
    N/A 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    Learners are able to identify and solve problems relating to the risk profiling of debtors, using critical and creative thinking processes to monitor stakeholder enquiries and provide solutions in relation thereto. 

    UNIT STANDARD CCFO WORKING 
    Learners are able to work effectively with others as a member of a work team, group, section or community to ensure that all relevant debtor records are obtained, validated and allocated. 

    UNIT STANDARD CCFO ORGANISING 
    Learners are able to organise and manage themselves and their activities responsibly and effectively in order to expediently assess and allocate debt collecting accounts. 

    UNIT STANDARD CCFO COLLECTING 
    Learners are able to collect, analyse, organise and critically evaluate information presented to them by clients. 

    UNIT STANDARD CCFO COMMUNICATING 
    Learners are able to communicate effectively using visual, mathematical and / or language skills in the modes of oral and / or written persuasion when interacting with credit grantors, debtors and colleagues. 

    UNIT STANDARD CCFO SCIENCE 
    Learners are able to use science and technology effectively and critically when searching for information relating to in allocating debtor accounts. 

    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 and that other bodies and regulatory authorities impact on solutions that need to be engaged to ensure the correct allocation and assessment of debtor accounts. 

    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. BATOHI CONSULTING T/A EUREKA TALENT SOLUTIONS 
    3. BC TRAINING ACADEMY 
    4. Boston City Campus & Business Coll 
    5. BRIGHT IDEA PROJECTS 447 PTY LTD T/A MIND -THE- GAP 
    6. CBM TRAINING PTY LTD 
    7. CUSTOMER CENTRIC SOLUTIONS PTY LTD 
    8. DIBANISA LEARNING 
    9. SELLDIRECT MARKETING PTY LTD 
    10. SMART THINKERS SKILLS 



    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.