Format: Live instructor-led online training via Zoom / Microsoft Teams

Credit Management and Debt Recovery Training Course

Credit Management and Debt Recovery Training Course is a practical and comprehensive professional development program designed to strengthen credit management, debt recovery, loan administration, customer credit analysis, financial risk management, collection strategies, accounts receivable management, and financial compliance skills for improved organizational liquidity and financial sustainability. The course equips participants with modern credit control techniques, credit risk assessment tools, debt collection frameworks, financial analysis methods, negotiation strategies, and recovery management systems necessary for effective management of credit portfolios and outstanding debts in financial institutions, SACCOs, microfinance institutions, corporate organizations, and government agencies. The training integrates financial management, legal compliance, internal controls, customer relationship management, and digital financial systems to support operational efficiency and reduce financial losses.

This highly practical course focuses on credit appraisal, borrower assessment, loan monitoring, delinquency management, debt restructuring, recovery procedures, collection negotiations, financial reporting, fraud prevention, and compliance management. Participants gain hands-on exposure to accounts receivable systems, portfolio performance monitoring, credit scoring models, recovery litigation processes, digital debt recovery platforms, and customer engagement strategies using modern financial management and business intelligence tools. The course also explores ethical debt collection practices, anti-money laundering compliance, cybersecurity in digital credit systems, and emerging trends in automated credit management and financial technology.

The Credit Management and Debt Recovery Training Course is suitable for banks, SACCOs, microfinance institutions, insurance companies, NGOs, donor-funded financial projects, corporate enterprises, utility companies, telecommunications firms, and government financial institutions seeking to improve credit control systems, strengthen debt recovery processes, reduce non-performing loans, and enhance financial accountability and operational sustainability. Through practical exercises, simulations, and real-world case studies, participants develop competencies required to manage credit effectively, improve debt collection efficiency, minimize credit risks, and support organizational profitability and growth.

Course Objectives

1. To strengthen understanding of credit management and debt recovery principles and systems
2. To improve credit appraisal, borrower assessment, and loan administration competencies
3. To enhance debt collection, negotiation, and recovery management skills
4. To develop practical knowledge of accounts receivable and portfolio management systems
5. To strengthen credit risk assessment and financial analysis capabilities
6. To improve delinquency management and non-performing loan recovery strategies
7. To enhance compliance with financial regulations and ethical collection practices
8. To strengthen internal controls and fraud prevention mechanisms in credit operations
9. To improve customer relationship management and communication skills in debt recovery
10. To equip participants with digital credit management and debt recovery technologies

Organization Benefits

1. Improved credit control and debt recovery efficiency
2. Reduced non-performing loans and bad debt losses
3. Enhanced cash flow management and organizational liquidity
4. Strengthened credit risk management and internal control systems
5. Improved customer relationship management and collection communication strategies
6. Better compliance with financial regulations and debt recovery standards
7. Enhanced operational efficiency through digital credit management systems
8. Improved financial reporting and portfolio performance monitoring
9. Increased profitability and financial sustainability capacity
10. Stronger organizational resilience and stakeholder confidence

Target Participants

• Credit Managers and Credit Officers
• Debt Recovery and Collection Officers
• Loan Officers and Microfinance Professionals
• Finance and Accounts Officers
• SACCO and Banking Professionals
• Risk Management and Compliance Officers
• Customer Relationship Managers
• Internal Auditors and Internal Control Officers
• Corporate Finance Managers
• Legal and Contract Management Officers
• Entrepreneurs and Business Owners
• Government Revenue and Financial Management Officers

Course Outline

Module 1: Fundamentals of Credit Management and Debt Recovery

• Principles of credit management and debt recovery systems
• Credit policies, procedures, and financial governance frameworks
• Types of credit facilities and lending management systems
• Roles and responsibilities in credit administration and collections
• Ethical practices and compliance in credit and debt management
• Case study on effective credit management and debt recovery systems

Module 2: Credit Appraisal and Loan Administration

• Credit appraisal and borrower assessment techniques
• Credit scoring models and financial statement analysis
• Loan processing, approval, and disbursement procedures
• Accounts receivable management and customer credit evaluation
• Loan monitoring and portfolio performance management systems
• Case study on credit appraisal and loan administration effectiveness

Module 3: Credit Risk Management and Internal Controls

• Credit risk identification and risk assessment frameworks
• Delinquency management and non-performing loan analysis
• Internal controls and fraud prevention mechanisms in credit operations
• Compliance monitoring and regulatory reporting systems
• Financial forecasting and credit exposure management strategies
• Case study on credit risk management and internal control systems

Module 4: Debt Collection and Recovery Strategies

• Debt collection planning and recovery management techniques
• Negotiation skills and customer communication strategies
• Debt restructuring and repayment arrangement procedures
• Legal recovery processes and enforcement mechanisms
• Collection performance monitoring and reporting frameworks
• Case study on debt recovery and negotiation management

Module 5: Digital Credit Management and Financial Technology

• Digital lending systems and automated credit management platforms
• Electronic payment systems and debt recovery technologies
• Financial data analytics and portfolio monitoring tools
• Cybersecurity and digital financial protection frameworks
• Customer relationship management systems in credit operations
• Case study on digital credit management and financial technology transformation

Module 6: Strategic Credit Management and Emerging Trends

• Strategic credit planning and organizational financial sustainability
• Portfolio diversification and profitability management techniques
• Business continuity and crisis management in credit operations
• Emerging trends in credit management and debt recovery systems
• Artificial intelligence and automation in credit and collections management
• Case study on innovative credit management and organizational resilience

General Information

1. Customized Training: All our courses can be tailored to meet the specific needs of participants.

2.      Language Proficiency: Participants should have a good command of the English language.

3.      Comprehensive Learning: Our training includes well-structured presentations, practical exercises, web-based tutorials, and collaborative group work. Our facilitators are seasoned experts with over a decade of experience.

4.      Certification: Upon successful completion of training, participants will receive a certificate from Foscore Development Center (FDC-K).

5.      Training Locations: Training sessions are conducted at Foscore Development Center (FDC-K) centers. We also offer options for in-house and online training, customized to the client's schedule.

6.      Flexible Duration: Course durations are adaptable, and content can be adjusted to fit the required number of days.

7.      Onsite Training Inclusions: The course fee for onsite training covers facilitation, training materials, two coffee breaks, a buffet lunch, and a Certificate of Successful Completion. Participants are responsible for their travel expenses, airport transfers, visa applications, dinners, health/accident insurance, and personal expenses.

8.      Additional Services: Accommodation, pickup services, freight booking, and visa processing arrangements are available upon request at discounted rates.

9.      Equipment: Tablets and laptops can be provided to participants at an additional cost.

10.  Post-Training Support: We offer one year of free consultation and coaching after the course.

11.  Group Discounts: Register as a group of more than two and enjoy a discount ranging from 10% to 50%.

12.  Payment Terms: Payment should be made before the commencement of the training or as mutually agreed upon, to the Foscore Development Center account. This ensures better preparation for your training.

13.  Contact Us: For any inquiries, please reach out to us at training@fdc-k.org or call us at +254712260031.

14.  Website: Visit our website at www.fdc-k.org for more information.