Credit Matters

Financial Risk Management is Good Management

Financial risk management is one of the most important skillsets of management.
It is vital to understand the risk which is associated with all business enterprises, particularly your own!

Financial risk management is not just about debt collection, unpaid invoices and fraud.

How well do you manage your financial risk management issues?

If in doubt, Credit Matters is the right starting place for you.

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Better Business Club

Promote Your Business

Credit Matters Business Club - Professionals When You Need Them

If you are a specialist supplier of financial risk management products and services, then you need to be listed in Credit Matters Better Business Club.

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Global Fraud Trends

Global Fraud Trends

In this podcast, the focus is about what finance professionals need to know about emerging global fraud trends, what they can do to protect themselves and their firms, and what the future of fraud might look like.

Fraud is on the rise across the globe. Criminals are exploiting the convergence of social media, technology, and social engineering to create more potent and widespread scams. No one, and no business, is completely safe from this new wave of fraud.

What you’ll learn from this episode:

  • The three types of fraud that are increasing around the world.
  • How criminals are exploiting data breaches to perpetuate a variety of fraud.
  • What firms should be doing to decrease their vulnerability to fraud.
  • Why insider fraud may still be a firm’s biggest risk.
  • What the future of fraud may look like.

Roger Darvall-Stevens, RSM (Melbourne)
A brief introduction to Roger Darvall-Stevens reveals he is the National Head of Fraud & Forensics Services and has over 25 years of experience in forensic investigations and forensic accounting, fraud, bribery & corruption control, related training, forensic IT, compliance (including foreign bribery and corruption risk), and corporate security.

Mental Health Support for Small Business

Mental Health Resources
for Small Business Owners

Beyond Blue has developed a free online guide that provides business advisers, such as accountants, bookkeepers and industry association representatives, with practical tips about how to support their clients and members.

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Beyond Blue Logo

Red Flag Competition-Challenge

Red Flag

Up to Twelve Chances to WIN AUD $200

This challenge is for Members Only - Starts 1st July 2019 and Closes 30th June 2020.

The Red Flag Competition-Challenge is for you to find any business red flags that are not already listed in the Members Area of Credit Matters website. You will need to be a member to access the list and to enter this competition.

B2B Credit in 2020 - A look forward

What will the future look like
in 2020 for B2B credit?

Well, it could be anything, but with a recession looming, I thought it worth putting forward my thoughts. This is my attempt to provide a possible scenario from the perspective of a credit and fraud risk professional, front-line global business operator, entrepreneur and business owner.

- Kim Radok

A Guide to Help Business Tradies Get Paid

This Just released
Must Read Guide

on key terms and insights is both
informative & helpfulfor all tradespeople.

Get your FREE compact e-book
for your mobile or ipad today.

This is certainly needed and valuable advice, so well done!

Having reviewed “A Guide to Help Business Tradies Get Paid”, I believe this could be a useful tool to consider for any tradie wanting to start a business.

It is easy to understand and user friendly. It provides a good guide to jump start your business and relevant topics to consider before and after starting your business.

Having this document in your phone would be a good quick reference guide.

I have been in the building industry for over 40 years and would recommend this guide.

The information included in setting up a company is really accurate. The more planning and consultation you can do before starting up the better.

Having been in business for over 40 years, I certainly agree with all the set up advice.

This is such a valuable document for any tradesperson contemplating starting a business.

It is full of information vital to establishing a business from scratch including one of the most vital aspects of business, getting paid.

I wish I had access to this information at the start of my career.

Latest Resource

The Anatomy of a Recession

By Kim Radok, May 2018

My perspective on the “how and why” recessions occur, the preceding indicators and suggested action to survive them. The purpose of this article is to share experience, knowledge and insight for the many business professionals that have either forgotten the pain of the previous recessions, not experienced one in their working life and/or believe the “modern world is recession proof”. As a result, many of these individuals may consider themselves to be immune to the catastrophic ramifications.

Understanding and acting on the following information may help you protect your financial and emotional well-being........

To receive more like this; Sign up and receive our FREE newsletter, and/or become a Member.

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What Does a Fraudster Look Like?

You're easy prey to a stylish fraudster.

...but you're easy prey to a fraudster.

You're easy prey to a cute fraudster.

...and the trauma they cause? They simply don't care!

...all are fair game to fraudster.

Even with the best firewalls and virus software, digital fraudster can still access your phones, computers and tables.

To some, elderly couples like this are delightful. To others, they're the cause of heartache. Age is no barrier to fraudsters.

Confessions of a Debt Collector

If a business has debt and doesn’t pay, a debt collection agency will be on the hunt to track the money down. That’s where Dean Kaplan comes in. As CEO of The Kaplan Group, a commercial collections agency that deals with business debt, his company has collected tens of millions of dollars to return to their clients.

“We’re very motivated to collect the money” Kaplan says. “If somebody’s business got into so much debt that they have to go out of business, then I want that to happen, because otherwise they’re going to take advantage of more people who keep doing business with them.”

Read the Full Article

Credit Matters Information & Members Area

Free Members Area

The free Members Area includes special features which may not be available to the general public.

The fundamental purpose of our Members Area is to build an environment where business people and students can learn and understand the issues associated with financial risk management in the business environment.

Members Benefits

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Articles of Interest

Articles of Interest

In this forum we give you the opportunity to ask a question and have it answered In this resource section the articles on financial risk management help you understand, learn and use in your business.


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Professional Bodies

Joining a professional body shows you are interested in the development of your career. There will be many professionals which will not show a similar initiative. Today, you need every advantage in this very competitive business environment.

Professional bodies provide the following opportunities and advantages and an acceptance of your professional qualifications by your peers.

  • Training and conference opportunities to maintain and update your qualifications, mostly at a discounted rate to that of non-members.
  • Newsletters and magazines keep a professional in touch with current information and legislation applicable to their industry.
  • Networking opportunities enable you to meet your fellow peers and professionals from associated professions.
  • The joining fee and annual subscriptions are reasonably priced and an investment in your long-term career.

If you are not yet a member of a professional body, review the professional bodies listed with Credit Matters to add value to your career.

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Professional Bodies
Government Agencies

Government Agencies

Government agencies are a source of helpful and valuable information to mitigate some of the risks of operating and managing a business. The information is designed to help you operate within Government guidelines and Legislation. In addition, you will also find information to help you understand your rights in business.

In today's world, ignorance is no excuse.

Credit Matters has provided these access details to Government Agencies to keep yourself better informed and help you to better navigate the world of business.

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Conferences & Expos

Upcoming Conferences & Expos

The following conferences or expos offer a great chance to connect with other professionals and keep up with the latest trends in credit, finance and risk management.

Conference's Workshop & Seminar Providers

Conference, Workshop & Seminar Training Calendars

The following providers offer ongoing Conferences, Workshops and/or Seminars. Click their logo below for their current calendar of events.

Credit Matters Blog

These blogs are designed to motivate business people and other professionals to improve their business operations to better understand financial risk management issues.

Improving the way you manage your financial risk management obligations, will assist to improve sales, cashflow and profits, whilst enhancing stakeholder relationships.

Latest Blog Post:

Credit, Risk Management, Business Blogs

Your customer list, a gold mine of new sales or a nightmare of future problems?

Kim Radok 23 November 2019

A business improvement specialist recently suggested that a good source of new business was from within the business itself. By contacting former customers which had stopped buying, it was possible to re-establish a positive trading relationship and gain new sales.

Another advantage of reviewing your existing customer lists, is the opportunity to upgrade your trading agreements that will be appropriate for today’s business environment. You can also deactivate those accounts which will cause future problems if reopened indiscriminately.

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Invaluable Reading From Australia and Around The World

Contributing to our position as Australia’s premium Financial Risk Management resource, our management globally explores and surveys relevant and valuable articles published by respected professionals, academics and organisation. The articles offered here are suggested reading for any Business Owner and Financial Risk Management professional.

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Invaluable Readings


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