Membership grades

Which membership is right for you?

Answer three quick questions and we will show you the grade that fits, what it costs and how to apply. Already know your grade? Go straight to your application.

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Introductory grades

Join today

For people starting out, studying or working in credit without a professional grade yet. Join online in a few minutes.

Essentials

New to the credit profession, or curious about CICM.

£35 a year

Credit Management magazine
Two webinars, podcasts and interactive guides a year
Branch events
Your fee is refundable if you upgrade within the same year

Join now See more about Essentials

Studying

Studying for a CICM qualification, at any level.

£114 a year

or £9.50 a month by Direct Debit

Knowledge Hub to study towards your qualification
Unlimited webinars, podcasts and interactive guides
Technical support service
Member rewards

Join now See more about Studying

Affiliate

Working in credit, or want to be involved in the industry. Open to all who apply.

£175 a year

or £14.58 a month by Direct Debit

All the member benefits
Knowledge Hub and technical support service
Member rewards
Upgrade to a professional grade whenever you are ready

Join now See more about Affiliate

Professional grades

Recognition and post-nominals

For qualified and experienced credit professionals. You apply with evidence of your experience, and professional membership is subject to approval. See the criteria for each grade.

ACICM

Associate

Operational and developing roles, such as Credit Analyst, Credit Controller or Collections Agent.

£194 a year

or £16.67 a month by Direct Debit

Everything in Affiliate
ACICM post-nominals
ACICM(Dip) when you complete a CICM Level 3 Diploma

Apply for Associate See more about Associate

MCICM

Member

Supervisory and senior roles, such as Credit Manager, Senior Credit Analyst or Collections Manager.

£238 a year

or £19.83 a month by Direct Debit

Everything in Associate
MCICM post-nominals
MCICM(Grad) when you complete a CICM Level 5 Diploma
Vote at the AGM

Apply for Member See more about Member

FCICM

Fellow

Senior leaders who develop, deliver and implement wide-reaching credit strategies.

£295 a year

or £24.58 a month by Direct Debit

Everything in Member
FCICM post-nominals
Vote at the AGM

Apply for Fellow See more about Fellow

Side by side

Compare every benefit by grade

Still weighing it up? Let us find your grade in three questions.

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Other routes

Enforcement agents, retired members and whole teams each have their own way in. Pick yours, or ask the membership team.

Talk to the membership team

Enforcement Agent membership For certificated enforcement agents and HCEOs, and those working towards their certificate. Apply now → Retired membership Stay connected to the profession after work. Details → For teams and employers Corporate partnership and CICMQ accreditation for your business. Details →

Eligibility in detail

What counts as experience for professional membership?

Each professional grade has its own criteria. You show how you meet them with a sponsor statement, a personal statement and an up to date CV. Here is what the membership team looks for at each grade.

	ACICM Associate	MCICM Member	FCICM Fellow
Who it is for	People working in, or building a career in, credit management, collections, insolvency, litigation or enforcement. Typically operational or developing roles.	Supervisory and senior practitioners who manage, or contribute significantly to, the credit or collections lifecycle.	Senior leaders with strategic responsibility for credit, risk or financial management, who shape the profession beyond their own organisation.
Typical roles	Credit Analyst, Credit Controller, Collections Agent, Insolvency or Litigation Administrator, Enforcement Agent	Credit Manager, Senior Credit Analyst, Collections Manager, Recoveries Manager, Insolvency Practitioner, Enforcement Manager	Head of Credit, Director, Partner, Consultant or equivalent, with accountability for credit strategy and policy
Qualification route	Hold a CICM Level 3 Diploma in Credit and Collections, or in Money and Debt Advice. Completing the Level 3 Diploma as an Associate makes you ACICM(Dip).	Hold a CICM Level 5 Diploma alongside either the Level 3 Diploma or professional membership through the experience route. This makes you MCICM(Grad).	Experience route only. Assessed on the criteria below.
What you need to show	A current role in credit, collections, insolvency, litigation or enforcement, or a clear path into one Day-to-day responsibility for credit or collections tasks Commitment to the CICM Code of Conduct	Managing or contributing significantly to the credit management or collections lifecycle Applying professional judgement to credit risk, customer assessment or account strategy Managing or influencing credit limits, payment terms or risk exposure Monitoring and reviewing customer credit performance and risk profiles Managing or maintaining customer credit files and records Investigating higher-risk or higher-value accounts or applications Contributing to the development, application or review of credit or collections policies Working with sales, finance, legal or other internal stakeholders Managing relationships with third parties such as agencies, service providers or consultants Using data, metrics or reporting to evaluate credit or collections effectiveness Sound commercial understanding of your organisation Ensuring compliance with relevant legal, regulatory or governance frameworks	Strategic leadership or senior influence over credit, risk or financial management activities Accountability for credit policy, governance or organisational risk frameworks Leading or influencing significant change, transformation or improvement in credit practices Acting as a subject matter expert within your organisation, sector or client base Mentoring, developing or sponsoring professionals in credit or related disciplines Contributing to the wider profession through thought leadership, speaking, writing or advocacy Active engagement with CICM activities, governance, panels, education or initiatives Representing the credit profession externally with credibility and authority Sustained professional integrity, judgement and ethical leadership
Evidence	One sponsor statement Personal statement Up to date CV	One sponsor statement Personal statement Up to date CV Optional: up to three extra examples, such as customer feedback, credit policies or certificates covering the criteria	One sponsor statement Personal statement Up to date CV Optional: up to three extra examples, such as customer feedback, credit policies or certificates covering the criteria
Apply	Apply for Associate	Apply for Member	Apply for Fellow

Not sure which grade your experience fits? Find your grade, or call the membership team on 01780 722900.

Can I join as an Essentials member and upgrade later?

Absolutely. You can upgrade from any grade of membership, whenever you are ready, and if you upgrade from Essentials in the same membership year your Essentials fee is refunded.

Upgrade your membership

Do I need to be in the UK?

Not at all! CICM welcomes members from around the world. Wherever you're based, you can enjoy the benefits of membership, with only selected in-person events taking place in the UK.

What if my employer pays?

That is fine, and many employers do. Add your company address to your account so we can invoice your employer for membership and any other CICM service.

Getting your employer to pay

Ready to apply?

Know your grade? Apply today.

Start your application in a couple of taps, or let three questions find the grade for you.

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Ayman - CICM Membership Team — **Ayman Trabelsi ACICM** Membership Advisor, CICM

Membership Grades