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.

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20+ Years

More than 20 years of experience

18,000+

More than 18,000 businesses benefitted

30

Across 30 major industries

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

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/.