CTOS Credit IQ
100% HRDC Claimable Online Training
HRD Corp Claimable • Remote via Microsoft Teams
Elevate Your Credit Decisions.
Grow With Confidence.
Credit IQ by CTOS is a 2-day, HRD Corp-claimable professional training programme designed to help business owners, finance managers, and decision-makers:
Understand and monitor credit health with confidence
Make smart financial decisions faster using real data and credit analytics
Prevent cash flow bottlenecks by identifying late payment and bad debt risks early
Use CTOS Credit Manager effectively to safeguard your company’s growth
With hands-on exercises, real case studies, and expert guidance from seasoned trainers, you’ll leave with skills you can apply immediately to improve your business resilience.
CTOS
Credit IQ
100% HRDC Claimable Online Training
HRD Corp Claimable • Remote via Microsoft Teams
Elevate Your Credit Decisions.
Grow With Confidence.
Credit IQ by CTOS is a 2-day, HRD Corp-claimable professional training programme designed to help business owners, finance managers, and decision-makers:
Understand and monitor credit health with confidence
Make smart financial decisions faster using real data and credit analytics
Prevent cash flow bottlenecks by identifying late payment and bad debt risks early
Use CTOS Credit Manager effectively to safeguard your company’s growth
With hands-on exercises, real case studies, and expert guidance from seasoned trainers, you’ll leave with skills you can apply immediately to improve your business resilience.
CTOS Credit IQ 培训课程
- 提升财务绩效（为期两天）
备注：本课程仅开放予已在 SSM 注册的公司参与。
符合资格的雇主可通过 HRD Corp 申请报销。
提交此表格即表示您同意我们的条款与条件, 并同意根据我们的隐私政策处理您的数据。
CTOS Credit IQ
100% HRDC Claimable Online Training
HRD Corp Claimable • Remote via Microsoft Teams
Elevate Your Credit Decisions.
Grow With Confidence.
Credit IQ by CTOS is a 2-day, HRD Corp-claimable professional training programme designed to help business owners, finance managers, and decision-makers:
Understand and monitor credit health with confidence
Make smart financial decisions faster using real data and credit analytics
Prevent cash flow bottlenecks by identifying late payment and bad debt risks early
Use CTOS Credit Manager effectively to safeguard your company’s growth
With hands-on exercises, real case studies, and expert guidance from seasoned trainers, you’ll leave with skills you can apply immediately to improve your business resilience.
CTOS Credit IQ Training - Driving Financial Performance (2 Days)
Note: This programme is open only to companies registered with SSM.
HRD Corp claimable for eligible employers.
By submitting this form, you agree to our Terms & Conditions and consent to data processing under our Privacy Policy.
HRD Corp Claimable • Remote via Microsoft Teams
Elevate Your Credit Decisions.
Grow With Confidence.
Credit IQ by CTOS is a 2-day, HRD Corp-claimable professional training programme designed to help business owners, finance managers, and decision-makers:
Understand and monitor credit health with confidence
Make smart financial decisions faster using real data and credit analytics
Prevent cash flow bottlenecks by identifying late payment and bad debt risks early
Use CTOS Credit Manager effectively to safeguard your company’s growth
With hands-on exercises, real case studies, and expert guidance from seasoned trainers, you’ll leave with skills you can apply immediately to improve your business resilience.
CTOS Credit IQ 培训课程
- 提升财务绩效（为期两天）
备注：本课程仅开放予已在 SSM 注册的公司参与。
符合资格的雇主可通过 HRD Corp 申请报销。
提交此表格即表示您同意我们的条款与条件, 并同意根据我们的隐私政策处理您的数据。
20+ Years
More than 20 years of experience
18,000+
More than 18,000 businesses benefitted
30
Across 30 major industries
Trusted by Leading Corporations and
SMEs across Malaysia
Why Credit IQ?
Transform your HRD training fund into tangible ROI
Understand credit reports deeply to improve your company’s credit health
Make faster, smarter financial decisions that protect your business
Fully claimable under HRDC for a 100% training refund, a risk-free investment
How Will You Benefit?
By the end of the programme, you will be able to:
100% claimable under HRD Corp
Equip your team with real skills & tools
Make smart financial decisions faster
Prevent late repayments & bad debts
Reduce risks, improve cashflow & attract investors
Strengthen compliance & credit governance
Who Should Attend?
Finance Managers
Managing Directors / Directors
CTOS Credit Manager Subscribers
General Managers
Credit Managers
Procurement Managers
Business Development
Risk Managers
The hidden risk of extending credit
If you sell on credit, risk management is
Growth Management.
Unclear credit data, overdue invoices and write-offs erode margins.
Credit IQ helps you build a modern, data-driven credit practice.
Cash Flow
Disruptions
Delayed payments create liquidity gaps and overdue invoices.
Bad Debt &
Losses
Avoid uncollectible accounts with better assessment.
Limited
Credit Data
Move beyond gut-feel
with comprehensive
CTOS insights.
Inefficient
Processes
Cut manual checks
and streamlined
monitoring.
Strained
Relationships
Collect confidently
while protecting
rapport.
No Standard
Policy
Set clear, consistent
rules for credit
decisions.
What will you learn?
Objectives
Understand CTOS Credit Manager and key applications
Interpret CTOS reports accurately
Differentiate report types (SME Score, CTOS, Lite, KYC, CCM/SSM, Investigate, Idaman, CPC, MDI, UBO)
Apply monitoring & recovery processes effectively
Learning Outcomes
Log in and use the CTOS dashboard
Search companies and purchase reports
Understand the 5 key features in a CTOS report
Submit consent forms
Use monitoring & apply the ETR process
Get help via "Chat with Us"
FREE 13 months' CTOS Credit Manager access included (access fees only)
Who will teach you?
Learn directly from industry experts who bring real-world experience and proven training methods.
Amber Goh Pin Xin
HRDCorp Accredited Trainer
Financial & Credit Management
Amber is a dynamic trainer with a strong background in banking and financial consulting. From CIMB, Hong Leong, and RHB to CTOS, she has helped individuals and SMEs make smarter financial decisions. At CTOS, she delivers impactful programs on Credit Management, Onboarding, and Salesforce. With multiple financial certifications, Amber is passionate about empowering professionals to master credit and financial literacy.
Christine Alphonse
HRDCorp Accredited Trainer
Credit Reporting & Sales Enablement
Christine is a results-driven trainer with 10+ years of experience in financial literacy, credit reporting, and business development. As Training & Sales Enablement Manager at CTOS, she has conducted 400+ sessions on Credit Manager and financial risk awareness. Recognized with The Outstanding Young Malaysian Award (2012), Christine inspires professionals to transform credit knowledge into business success.
Nurul Annisa Anuar
HRDCorp Accredited Trainer
Customer Service, Leadership & Sales Enablement
With 15+ years of experience, Nurul is a seasoned trainer specializing in customer service, leadership, and onboarding programs. From Petronas to Concentrix and Cognizant, she has led impactful training and coaching initiatives across APAC. Now at CTOS, she drives training strategies that boost sales performance and team effectiveness. A Certified Master Trainer, Nurul is passionate about helping professionals grow and succeed.
Ong Wei Soon
HRDCorp Accredited Trainer
Sales & Soft Skills
Ong has conducted 360+ sales training sessions and 100+ soft skills workshops, shaping professionals, students, and leaders alike. With international teaching experience in China and strong community involvement, he brings cultural adaptability and people skills into his sessions. Currently Training Manager at CTOS Digital, Ong trains in Customer Service, SPIN Selling, EQ, Leadership, and Team Building.
From uncertainty to
a reliable credit system.
Follow a simple 5-step transformation path
Orient
Map your current credit workflow and risk points.
Diagnose
Read CTOS reports the right way; identify red flags fast.
Decide
Set standard credit policy & limit you can defend.
Monitor
Automate portfolio monitoring and ETR actions.
Scale
Align Sales, Finance & Credit on growth and guardrails.
Diagnose
Read CTOS reports the right way; identify red flags fast.
Decide
Set standard credit policy & limit you can defend.
Monitor
Automate portfolio monitoring and ETR actions.
Scale
Align Sales, Finance & Credit on growth and guardrails.
Orient
Map your current credit workflow and risk points.
Diagnose
Read CTOS reports the right way; identify red flags fast.
Decide
Set standard credit policy & limit you can defend.
Monitor
Automate portfolio monitoring and ETR actions.
Scale
Align Sales, Finance & Credit on growth and guardrails.
Course Outline
9:00am–5:00pm • Remote via Microsoft Teams
Day 1 – Foundations of Credit IQ
Kick-off & training objectives
Introduction to CTOS Credit Manager
Dashboard navigation & feature overview
Searching companies & purchasing reports
Consent form best practices
Deep dive into CTOS report types
Day 2 – Advanced Credit Risks
Monitoring process & real-time alerts
The eTR process
Hands-on practice with 5 key CTOS report features
Group case studies & simulations
Interactive “Chat with Us” Q&A session
Wrap-up & certificate presentation
Programme Details
At a glance
100% claimable under HRD Corp
2 full days (9:00am–5:00pm)
Free 13 months' platform access
Mandatory 2 pax per organisation
Online training via Microsoft Teams
HRDC-certified trainers
Pre-requisites & Methodology
Familiarity with financial & credit terms
Basic financial background
Willingness to learn and engage
Delivery: Lecture, simulation, presentation, demonstration
STILL NOT SURE?
Frequently Asked Questions
Is this course HRD Corp claimable?
Yes. It is 100% HRD Corp claimable.
What does the 13 months' free access include?
Access fees to CTOS Credit Manager. Reports, monitoring and recovery services are chargeable.
Where is the course conducted?
Remote online via Microsoft Teams, 9:00am – 5:00pm over two days.
Terms & Conditions
HRDC claimable course provided by CTOS.
13 months' CTOS Credit Manager access post-completion and HRDC reimbursement.
Access covers platform fees only; reports, monitoring & recovery are chargeable.
Credit Manager provided by CTOS Data Systems Sdn. Bhd.
Registration is not guaranteed. Confirmation within 1 business day.
Training must occur within 3 months' of HRDC approval.
CTOS may change date/time with advance notice.
Submission acknowledges Privacy Notice consent.
Privacy policy: https://ctoscredit.com.my/privacy-statement/.
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CTOS DATA SYSTEMS SDN. BHD.
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