Portfolio Fortification: Delinquency Management for SACCOs Training Course
Introduction
Delinquency is a significant threat to a SACCO's financial stability, directly eroding profitability and member trust. This specialized training is designed to equip credit professionals and leaders with a proactive and strategic approach to delinquency prevention and control. By moving beyond reactive collection efforts, this course provides a comprehensive framework to strengthen lending practices, identify risks early, and implement effective strategies that safeguard the loan portfolio and ensure the SACCO's financial health.
This intensive program offers a deep dive into the best practices for managing the full delinquency lifecycle. From robust loan underwriting to sophisticated collections techniques and data analysis, participants will gain the skills to build a resilient lending culture. This is an essential course for any SACCO committed to minimizing non-performing loans, maintaining strong asset quality, and creating sustainable value for its members.
Duration 5 days
Target Audience This course is for SACCO credit officers, loan managers, risk managers, collections officers, supervisory committee members, and board members involved in credit and risk oversight.
Objectives
- To understand the root causes and financial impact of loan delinquency.
- To master proactive strategies for delinquency prevention at the point of loan origination.
- To develop and implement an effective early warning system for loan monitoring.
- To apply advanced communication and negotiation techniques in collections.
- To design and manage loan restructuring and workout plans.
- To understand the legal and ethical framework for collections.
- To leverage technology and data analytics for more effective delinquency control.
- To develop a comprehensive policy manual for delinquency management.
- To analyze delinquency trends to inform future lending and policy decisions.
- To foster a culture of responsible lending and proactive risk management.
Course Modules
Module 1: Foundations of Delinquency Management
- The financial and reputational costs of loan delinquency.
- Key performance indicators (KPIs) for monitoring portfolio health.
- The psychology of delinquency and borrower behavior.
- The difference between delinquency prevention and collections.
- Case studies of common delinquency issues and their resolutions.
Module 2: Proactive Prevention at Origination
- The role of rigorous loan application and underwriting processes.
- Ensuring accurate borrower information and financial verification.
- The importance of financial literacy and borrower education.
- Structuring loans with realistic terms and repayment schedules.
- Creating a strong, member-centric lending relationship from the start.
Module 3: Early Warning Systems & Monitoring
- Establishing a clear system for loan portfolio monitoring.
- Identifying leading indicators of potential delinquency.
- The use of automated alerts and reports for credit officers.
- Analyzing behavioral and transactional data for early signs of trouble.
- The importance of proactive communication with borrowers.
Module 4: The Art of Collections & Communication
- Developing a structured and tiered collections strategy.
- Effective communication techniques for initial contact and follow-up.
- The role of negotiation and problem-solving.
- Handling difficult conversations with empathy and professionalism.
- Best practices for maintaining documentation throughout the collections process.
Module 5: Restructuring & Loan Workouts
- When to consider loan restructuring as a solution.
- The process of drafting and approving a workout plan.
- Different types of loan modifications: extension, re-amortization, and principal reduction.
- The importance of realistic terms for a successful workout.
- The role of collateral in a loan workout scenario.
Module 6: Legal & Ethical Considerations
- Understanding the legal framework for debt collection.
- The importance of a clear and compliant collections policy.
- Best practices for respectful and ethical communication.
- The legal process for loan recovery and foreclosure.
- Addressing member complaints and disputes with fairness.
Module 7: Technology & Delinquency Control
- Leveraging a loan management system for automated reminders and tracking.
- The use of mobile and digital channels for member communication.
- Implementing a dashboard for real-time delinquency reporting.
- How technology can streamline the collections workflow.
- Future trends in AI and machine learning for predictive collections.
Module 8: Data-Driven Delinquency Analysis
- Collecting and analyzing data on delinquency trends.
- Identifying the most at-risk member segments and loan products.
- Using data to assess the effectiveness of collections strategies.
- The importance of a feedback loop from collections to lending policy.
- Creating a data-driven culture for continuous improvement.
Module 9: Policy & Governance
- The board's role in approving and overseeing delinquency policies.
- Essential components of a comprehensive delinquency management policy manual.
- Defining clear roles and responsibilities for collections staff.
- The importance of regular policy review and revision.
- Aligning delinquency policy with the SACCO's risk appetite.
Module 10: Capstone Project: A Delinquency Audit
- Participants will work in teams to audit a sample loan portfolio with delinquent accounts.
- They will analyze the cases, identify the root causes, and propose a resolution strategy.
- Teams will present their findings and recommendations to a mock "Supervisory Committee."
- The module provides a hands-on opportunity to apply the concepts from all modules.
- This project prepares participants to implement a delinquency management plan in their own SACCO.
CERTIFICATION
- Upon successful completion of this training, participants will be issued with Macskills Training and Development Institute Certificate
TRAINING VENUE
- Training will be held at Macskills Training Centre. We also tailor make the training upon request at different locations across the world.
AIRPORT PICK UP AND ACCOMMODATION
- Airport Pick Up is provided by the institute. Accommodation is arranged upon request
TERMS OF PAYMENT
Payment should be made to Macskills Development Institute bank account before the start of the training and receipts sent to info@macskillsdevelopment.com
For More Details call: +254-114-087-180
Portfolio Fortification: Delinquency Management For Saccos Training Course in Angola
| Dates | Fees | Location | Action |
|---|---|---|---|
| 06/10/2025 - 10/10/2025 | $1,750 | Mombasa |
|
| 13/10/2025 - 17/10/2025 | $1,500 | Nairobi |
|
| 27/10/2025 - 31/10/2025 | $1,500 | Nairobi |
|
| 03/11/2025 - 07/11/2025 | $2,900 | Kigali |
|
| 17/11/2025 - 21/11/2025 | $1,500 | Nairobi |
|
| 24/11/2025 - 28/11/2025 | $1,500 | Nairobi |
|
| 01/12/2025 - 05/12/2025 | $1,750 | Nairobi |
|
| 08/12/2025 - 12/12/2025 | $1,750 | Mombasa |
|
| 05/01/2026 - 09/01/2026 | $1,750 | Mombasa |
|
| 12/01/2026 - 16/01/2026 | $1,500 | Nairobi |
|
| 02/02/2026 - 06/02/2026 | $4,000 | Pretoria |
|
| 02/03/2026 - 06/03/2026 | $1,750 | Mombasa |
|
| 16/03/2026 - 20/03/2026 | $1,500 | Nairobi |
|
| 23/03/2026 - 27/03/2026 | $1,500 | Nairobi |
|
| 06/04/2026 - 10/04/2026 | $2,900 | Kigali |
|
| 13/04/2026 - 17/04/2026 | $1,500 | Nairobi |
|
| 20/04/2026 - 24/04/2026 | $1,500 | Nairobi |
|
| 04/05/2026 - 08/05/2026 | $4,950 | Dubai |
|
| 11/05/2026 - 15/05/2026 | $1,500 | Nairobi |
|
| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
|
| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
|
| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
|
| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
|
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