Recover More. Work Smarter. Get Certified.
Jamaica's only certificate training built specifically for delinquency officers, debt collectors, and bailiffs — covering everything from your first collection call to repossession law, skip tracing, and debtor negotiation in the Jamaican lending environment.
"Collections in Jamaica demands Jamaican training — everything I teach is built for the borrowers, the laws, and the lending realities you face every single day."
— WAYNE WALLACE
What you'll learn
What you'll be able to do
- Define delinquency and apply a structured delinquency management model to your loan portfolio
- Execute a proven, end-to-end debt collection process — from first contact to full recovery
- Deploy effective telephone collection strategies that move delinquent borrowers toward repayment
- Negotiate confidently with debtors using tested techniques that secure commitments and reduce write-offs
- Identify the correct legal documents for collections and recoveries under Jamaica's local legal framework, including repossession of chattels
- Perform skip tracing to locate hard-to-find debtors and reduce unrecoverable accounts
How it works
A school that adapts to you
This isn't a set of static videos. Every lesson is generated live and tuned to where you actually are.
We learn your level
A quick placement check tailors your starting point so you're never bored or lost.
Lessons adapt as you go
Each lesson is written for your pace and your goal, adjusting as your skills grow.
Your AI coach keeps you moving
Checkpoints, feedback, and gentle nudges turn progress into a real result.
The curriculum
What's inside your school
6 modules · 21 lessons
Understanding and Managing Delinquency
Builds the foundational knowledge delinquency officers need to define, diagnose, and systematically reduce loan portfolio delinquency.
- 1.1Definition of Delinquency and Delinquency ManagementIncluded
- 1.2Roles and Functions of the Delinquency OfficerIncluded
- 1.3Reasons Why Customers Become DelinquentIncluded
- 1.4Terms to Be Familiar With in Delinquency ControlIncluded
- 1.5Effective Delinquency Strategies and MethodsIncluded
Telephone Collection Strategies
Equips collectors with structured, professional techniques for conducting telephone calls that move delinquent borrowers toward repayment commitments.
- 2.1Principles of Effective Telephone CollectionsIncluded
- 2.2Structuring the Collection CallIncluded
- 2.3Handling Objections and Broken PromisesIncluded
- 2.4Call Compliance and ProfessionalismIncluded
Debt Collections 101 — Philosophy and Process
Establishes the professional philosophy and end-to-end collection process that underpins every recovery action a collector takes.
- 3.1Examining Debt Collection PhilosophiesIncluded
- 3.2The Debt Collection ProcessIncluded
- 3.3Effective Collection Strategies and SkillsIncluded
Negotiation and Debtor Engagement
Develops the negotiation mindset and practical techniques collectors need to secure firm, realistic repayment commitments from debtors.
- 4.1The Art and Science of Negotiating with DebtorsIncluded
- 4.2Reading the Debtor — Profiles and ApproachesIncluded
- 4.3Securing and Documenting Repayment CommitmentsIncluded
Documents, Repossession, and the Jamaican Legal Framework
Provides collectors and bailiffs with working knowledge of the legal documents, repossession procedures, and Jamaican statutes governing debt recovery.
- 5.1Documents Used in Collections and RecoveriesIncluded
- 5.2Repossession of Chattels in JamaicaIncluded
- 5.3The Jamaican Legal Framework for Debt RecoveryIncluded
Skip Tracing and Locating Debtors
Builds the investigative skills collectors and bailiffs need to locate hard-to-find debtors and reduce unrecoverable accounts.
- 6.1Introduction to Skip TracingIncluded
- 6.2Skip Tracing Sources and TechniquesIncluded
- 6.3Documenting the Skip Trace and Escalating the AccountIncluded
Who it's for
Is this you?
New Collections Officers
Just stepping into a delinquency or collections role and needs a structured, professional foundation from day one.
Experienced Debt Collectors
Has years of on-the-job experience and is ready to formalise their knowledge with a recognised Jamaican credential.
Credit Union Staff
Works in a Jamaican credit union and needs locally relevant legal knowledge and collections strategies that fit the member-based lending environment.
Microfinance Loan Officers
Manages a portfolio of small-loan borrowers and needs practical delinquency management and skip tracing skills to reduce write-offs.
Bailiffs and Repossession Agents
Handles field recoveries and repossession and needs a clear, authoritative understanding of Jamaica's legal framework for chattel repossession and documentation.
Collections Supervisors
Leads a team of collectors and wants structured frameworks, professional standards, and legal grounding to coach their staff more effectively.
Questions
Frequently asked
Your teacher
A note from your teacher
WAYNE WALLACE
If you work in collections in Jamaica, you already know the job is harder than most people on the outside appreciate. You are not just chasing payments — you are managing relationships under pressure, navigating legal requirements that have real consequences, handling debtors who avoid, argue, or disappear, and doing all of it while meeting targets and keeping your institution protected. That takes real skill. And yet, most of the training available to you was built for someone else — someone in a different country, working under a different legal system, dealing with a different kind of borrower.
That is exactly why the CDS Debt Collectors Training Institute was built. I have worked in and around the Jamaican financial sector, and I have seen firsthand what happens when collections professionals are left to figure things out on their own — inconsistent processes, missed legal steps, unnecessary write-offs, and staff who are good at the job but have no credential to show for it. This program is my answer to that gap.
What you will get here is structured, practical, and Jamaican. We start with the fundamentals — what delinquency actually is, how to manage it across a portfolio, and the role of the delinquency officer — and we build from there. Telephone strategies. The full collections process. Negotiation techniques that work with real debtors, not textbook ones. The legal documents you need, how repossession of chattels works under Jamaican law, and how to perform skip tracing when a borrower goes off the grid. Every module is designed to be used, not just studied.
I also want to be honest with you about something. Experience matters in this field — and if you have been doing this work for years, I respect that. This program is not here to talk down to you or tell you everything you know is wrong. It is here to give you the framework, the language, and the legal grounding that turns solid experience into professional excellence. The collectors who complete this training do not just feel more confident — they work more consistently, escalate more accurately, and carry a credential that speaks to their commitment to the profession.
If you are ready to stop operating without a structured foundation and start working as the professional you already are — or are becoming — then this is the program for you. I am glad you found it, and I look forward to working with you inside.
— WAYNE WALLACE
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- 6 modules, 21 lessons
- AI-adaptive lessons tuned to your level
- Quizzes & checkpoints to lock in progress
- Your own AI learning coach
- Learn on any device, at your pace
- Full access for as long as you're subscribed