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Introduction to Credit Risk Management
Realizing the Benefits of Credit Bureau Data
Introduction
Course Overview
This two (2) days training program is designed for bankers,
microfinance and other professionals responsible for
maintaining top quality loan portfolios, identifying risk
management opportunities and designing financial
solutions for clients in a new and evolving international
credit environment.
There is widespread agreement particularly amongst
regulators that financial institutions need to rethink credit
policies, procedures, and risks they are taking.
Introduction to Credit Risk Management:
Realizing the Benefits of Credit Bureau Data
Dates:
21st & 22nd October 2014 or
23rd & 24th October 2014
Venue:
Ledger Plza - Bahari Beach Hotel
Cost:
US$450 per participant
US$400 early bird discount for non refundable
deposit received before 31st August 2014
This interactive workshop will provide knowledge and
support to members of credit risk and operational
management team to better understand the developments
in Tanzania with the credit information sharing initiative.
This workshop will cover the concepts behind credit
bureaus, and how businesses can use this data to improve
the quality of lending, both in terms of efficiency and
quality. The workshop will also cover the fundamental
concepts of application processing and utilzation of the
credit bureau reports.
It will also present an excellent networking opportunity for
attendees to share ideas about their own challenges and
best practice.
“Excellent! Incredibly knowledgeable trainer who was
engaging and inspirational in his delivery. Very practical
course”
“Great opportunity to learn something new, reinforce
existing knowledge and establish new peer opportunities”
NMB Plc - Past Delegate
Barclays Bank Tanzania - Past Delegate
Creditinfo Tanzania
www.creditinfo.co.tz
What will I learn?
• How to use credit bureau information to improve selection
of prospective clients, both for personal and business
finance, while avoiding clients with weak repayment proﬁles
and high risk of default.
• How to use credit bureau information to reduce credit
application processing turnaround time and the cost of the
credit appraisal.
• How to use credit bureau information to improvepredictability of internal score card, portfolio risk
assessment and portfolio management (including early
warning indicators and implementation of preventative
credit management strategies) as well as for market
segmentation, client selection and risk-based pricing.
What is the course structure?
Day 1
Session 1
An introduction to the Credit Reference Bureau Services
• What others know that you do not!
• What are the changes expected in a market once a credit
bureau is introduced.
- Competition
- New entrants
• Cost of loans and availability of credit
• Movement of banks from business to consumer lending
• Automation
• Case study Georgia
Exercise: Automation
The groups will explore the benefits of automation in credit risk management,
seeing the examples at both a Financial Institution at a market level. What are
the drivers of improvement in losses, and efficiency.
Day 2
Session 2 - Continued
Monitoring of individuals and changes in risk
Exercise: Monitoring
Existing customer change risk, what triggers do you want to see on your
customers as they change over time. This session allows each group to review
and identify the triggers that they will assign.
Session 3
An introduction to Credit Scoring providing a complete
understanding of this tried and tested credit management
practice.
• What is scoring?
• Creditinfo Predictor - CIP
• Initial results
Exercise:
Work out actual scores for individual records, calculating variables and scores
for a total score.
Session 2
Session 4
A credit risk assessment of data held on the credit bureau
• Using Credit Reports for risk management
• Practical assessment session
A practical guide to implement a system to cater for the
entire credit granting process.
Exercise: Reading and Understanding Credit Reports
The data in credit reports allows a fundamental change in the way the credit
officers assess the credit risk of individuals. Payment history becomes the key
differentiator. Hands on working together assessing credit reports on screen.
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Automation - What is it and what do you need?
Voyage not a project
APS
Decision Engine
Reviews
On-going improvement
Exercise:
Each portfolio has risk thresholds that must be reflected in the application
process policies that are applied. There are represented in a series of rules, in
this session delegates are asked to prepare policy rules for a retail portfolio.
Who should attend?
Anyone who is involved in managing risk associated to the
customer management lifecycle (prospecting, evaluation,
monitoring and debt management) will benefit from this
course.
This course provides background behind the principles of
granting credit and is suitable even for the new personnel.
The course will also explain why the credit bureau brings
more benefits in the decision-making process and how to
utilize the credit bureau information.
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Attendance is of particular benefit to:
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Credit Managers, Analysts & Controllers
Relationship Managers
Risk and Financial Analysts / Managers
Branch and Operational Managers
Business Analysts
Business Support / Collection Specialists
Corporate and Investment Bankers
Portfolio Managers
What are the benefits?
• Providing knowledge and skills necessary for the
transition to using external data from credit bureau
within the credit granting process showing the data
available and its optimal use.
• Tools and techniques can be immediately applied to
improve credit risk management and overall business
performance.
• Greater awareness of the different deployment
environments and methods that can be used to host a
decision system as well as a better understanding of the
credit industry in Tanzania and benchmark with best
practices worldwide.
• Full course notes
• Certiﬁcate of attendance
• Knowledge of credit score card, how it is developed and
how it is applied in the credit granting environment.
Pre Course Questionnaire
In order to clarify your learning objectives and ensure you
get the most out of this training, you will need to
complete a Pre-Course Questionnaire stating your
knowledge of the subject, level of experience and other
relevant issues.
The course leader will analyse this information to ensure
that the course covers your needs accordingly. We will
email you a link upon registration to complete the online
questionnaire.
“I learnt a lot from the day about credit bureaus and the
services and systems that they use and how these can assist
my bank make smarter lending decisions, including how to
grade the borrowers by using Creditinfo’s credit score,
Creditinfo Predictor.”
CRDB Bank Plc - Past Delegate
How much does it cost and how do I register?
Course fee is US$ 450 per participant. Early bird discount
available - US$ 400 non refundable deposit received before
31st August 2014.
To register, please send an email to [email protected]
with details of attendees’ names and we will respond to you.
Or ﬁll in the online form at:
www.creditinfo.co.tz/home/training-events/registration-form
Trainer Biography
Paul Randall
Business Development Director
Creditinfo International
With over 26 years of experience in credit risk management,
Paul Randall has been working with Creditinfo since April
2007. Following graduation, he worked with 2 retailers on
the ﬁnancial services side, JD Williams and M&S Financial
Services, prior to moving to the Co-operative Bank. During
the period of his employment, Co-operative Bank was an
innovative provider of banking services and had the risk
management environment to support it. It was one of the
first organisations to deliver an enterprise-wide customer
risk assessment supporting all decision processes. Mr.
Randall then moved to the consultancy side as the head of
scoring and consultancy in Scorex in the UK for 7 years
followed by becoming a member of the Experian Global
Consultancy Team for 7 years. During this period, he led both
direct client consultancy for risk management and Basel II in
addition to best practice documentation. The global support
spanned over 25 countries, such as the US, the UK, South
Africa, South Korea, Ukraine and Turkey. At Creditinfo, Paul
served initially as Managing Director of Creditinfo Decision
before becoming the Director of Business Development and
Chairman of Creditinfo Georgia. He has been active in the
development of many new credit bureaus and supporting
the growth of existing credit bureau.
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Course Venue
Introduction to Credit Risk Management:
Realizing the Benefits of Credit Bureau Data
This programme takes place on a non-residential basis at
Ledger Plza – Bahari Beach Hotel. Non-residential course
fees include training facilities, documentation, lunches and
refreshments for the duration of the programme. Delegates
are responsible for arranging their own accommodation,
however, a list of convenient hotels (many at specially
negotiated rates) is available upon registration.
Day 1
09.00
Welcome & Housekeeping
09.15
Survey results
09.45
Session 1 – Fundamentals of Risk Management
11.15
Session 1 – What is a credit bureau and what will
be its future
12.30
Break – Lunch
13.30
Session 1 - Impact of Introducing Credit Bureau
to Tanzania
14.45
Session 2 – Using credit report from Creditinfo
Tanzania for better credit decisions
16.00
Close
About us
Creditinfo Tanzania is the first licensed and operational
credit reference bureau in Tanzania. We received our license
from the Bank of Tanzania early June 2013. Our core
services to cover each stage of the customer life cycle. Our
services help banks and other credit providers to evaluate
prospective customers, monitor performance of existing
ones and manage the debts that they may have incurred.
We collect data from as many sources as possible, process
and make it available in a useful format to subscribers who
have a rightful reason to use that data. We provide these
services in accordance with the relevant legal framework
provided by the Bank of Tanzania.
provide quality data to the Bank of Tanzania’s Credit Reference
Databank; automation of the capture and decisioning of
new credit applications, development of bespoke scorecards
and credit risk management consultancy.
Creditinfo Academy also part of the Creditinfo Tanzania, is a
skills development and training provider that delivers
accredited, generic and customized training services related
to credit lifecycle management. The focus at Creditinfo
Academy is to provide training for clients in need of skills
Day 2
9.00
Session 2 – Using credit report from Creditinfo
Tanzania for better credit decisions
10.30
Session 3 – An introduction to credit scoring
providing a complete understanding of this tried
and tested credit management practice
12.00
Break – Lunch
13.00
Session 4 - A practical guide to implement a
system to cater for the automated credit risk
management process
14.15
Session 4 – Continued
15.30
Close
Contact Information
and overall business performance.
Creditinfo Tanzania
4th floor Barclays House
Ohio Street,
PO Box 77030
Dar es Salaam
Tel/Fax: +255 (0) 22 212 7263
E-mail: [email protected]
www.creditinfo.co.tz
Creditinfo Tanzania
www.creditinfo.co.tz

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