DigitalEdge: Digital Credit Products for SACCOs Training Course
Introduction
The digital transformation of the financial industry presents an unprecedented opportunity for SACCOs to innovate and expand their reach. This specialized training course is designed to equip credit professionals and leaders with the strategic knowledge and practical tools to develop, launch, and manage a profitable portfolio of digital credit products. By leveraging mobile and web platforms, SACCOs can provide instant, accessible credit solutions that meet the evolving needs of their tech-savvy members, securing a competitive advantage in the modern financial landscape.
This intensive program offers a clear and actionable roadmap for the entire digital lending lifecycle, from product design and automated risk assessment to portfolio management and profitability analysis. Participants will gain the skills to effectively use technology to streamline the lending process, mitigate risks, and ensure that these products align with the SACCO's financial sustainability and security goals. This is an essential course for any SACCO committed to innovation, member convenience, and responsibly expanding its lending portfolio into the digital realm.
Duration 5 days
Target Audience This course is for SACCO credit managers, loan officers, product development teams, IT officers, marketing staff, and senior executives involved in strategic planning and product innovation.
Objectives
- To understand the principles and market opportunities of digital credit products.
- To master a systematic approach to designing and launching new digital loan products.
- To develop and apply an automated credit assessment framework for quick approvals.
- To understand the role of technology in loan origination, disbursement, and collection.
- To design a profitable and transparent pricing model for digital loans.
- To identify and mitigate specific risks associated with digital lending.
- To create a robust framework for managing the portfolio and preventing delinquency.
- To ensure all digital products comply with regulatory and ethical standards.
- To analyze the financial performance and social impact of digital lending.
- To champion a culture of continuous innovation and efficiency.
Course Modules
Module 1: The Digital Lending Landscape
- The business case for digital credit for SACCOs.
- The competitive landscape for digital credit providers.
- Identifying different types of digital loans and their use cases.
- The role of mobile and web platforms in lending.
- Case studies of successful digital lending programs.
Module 2: Product Design & Features
- Designing flexible loan amounts and repayment terms.
- The role of instant loan disbursement and digital channels.
- How to link loan eligibility to a member's digital footprint.
- The importance of a clear and simple user interface for the application process.
- Prototyping and testing product concepts with a small group of members.
Module 3: Automated Risk Assessment
- The principles of automated underwriting for digital loans.
- Leveraging internal data: savings, loan repayment, and transaction history.
- The role of credit scoring and other predictive analytics.
- Creating an automated decision engine for real-time approvals.
- Strategies for managing fraud and cybersecurity risk.
Module 4: Technology & Automation
- The role of a loan management system in automating the process.
- Integrating with a mobile banking or payment platform.
- The benefits of a mobile-first approach for loan applications.
- Implementing a dashboard for real-time portfolio monitoring.
- Ensuring the security and privacy of member data.
Module 5: Pricing & Profitability
- Understanding the relationship between digital loan pricing and profitability.
- The concept of a risk-adjusted return on a digital loan.
- Analyzing the cost of capital and operational expenses.
- Setting a profitable yet fair interest rate and fee structure.
- The art of balancing member affordability with institutional sustainability.
Module 6: Legal & Regulatory Framework
- Understanding the legal framework for digital lending.
- The importance of a clear and compliant digital loan agreement.
- Navigating government regulations on interest rate caps and fees.
- The legal process for loan recovery and dispute resolution.
- Ensuring all products and policies adhere to fair lending principles.
Module 7: Delinquency Management
- The importance of a proactive approach to managing digital loan delinquency.
- Establishing an automated system for loan reminders and notifications.
- The role of empathetic communication with delinquent borrowers.
- Strategies for loan recovery and collections.
- Analyzing delinquency trends to inform future product design.
Module 8: Member Communication & Education
- Strategies for transparently explaining the digital loan product to members.
- The importance of financial literacy in using digital credit responsibly.
- Creating a clear and transparent value proposition for members.
- Training front-line staff to effectively answer member questions.
- The role of the SACCO as a trusted financial advisor.
Module 9: Strategic Portfolio Analytics
- Establishing key performance indicators (KPIs) for the digital portfolio.
- Tracking loan volume, repayment rates, and profitability.
- Using data to identify areas for improvement and innovation.
- The role of member feedback in product performance analysis.
- Creating a dashboard for real-time portfolio monitoring.
Module 10: Capstone Project: A Product Launch Plan
- Participants will work in teams to design and present a new digital loan product.
- They will conduct a needs analysis, design the product features, and develop a launch plan.
- Teams will present their proposal to a mock "Product Committee," discussing profitability and member value.
- This module provides a hands-on opportunity to apply the concepts from all modules.
- The project prepares participants to successfully launch a new digital lending model.
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
Digitaledge: Digital Credit Products For Saccos Training Course in Colombia
| Dates | Fees | Location | Action |
|---|---|---|---|
| 06/10/2025 - 10/10/2025 | $1,750 | Mombasa |
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| 13/10/2025 - 17/10/2025 | $1,500 | Nairobi |
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| 27/10/2025 - 31/10/2025 | $1,500 | Nairobi |
|
| 03/11/2025 - 07/11/2025 | $2,900 | Kigali |
|
| 10/11/2025 - 14/11/2025 | $1,500 | Nairobi |
|
| 24/11/2025 - 28/11/2025 | $1,500 | Nairobi |
|
| 01/12/2025 - 05/12/2025 | $1,750 | Mombasa |
|
| 08/12/2025 - 12/12/2025 | $1,500 | Nairobi |
|
| 05/01/2026 - 09/01/2026 | $1,500 | Mombasa |
|
| 12/01/2026 - 16/01/2026 | $1,500 | Nairobi |
|
| 26/01/2026 - 30/01/2026 | $1,500 | Nairobi |
|
| 02/02/2026 - 06/02/2026 | $4,000 | Pretoria |
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| 09/02/2026 - 13/02/2026 | $1,500 | Nairobi |
|
| 23/02/2026 - 27/02/2026 | $1,500 | Nairobi |
|
| 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 | $4,950 | Dubai |
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| 13/04/2026 - 17/04/2026 | $1,500 |
|
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| 20/04/2026 - 24/04/2026 | $1,500 | Nairobi |
|
| 04/05/2026 - 08/05/2026 | $1,750 | Mombasa |
|
| 18/05/2026 - 22/05/2026 | $1,500 | Nairobi |
|
| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
|
| 01/06/2026 - 05/06/2026 | $2,900 | Kigali |
|
| 08/06/2026 - 12/06/2026 | $1,500 | Nairobi |
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| 22/06/2026 - 26/06/2026 | $1,500 | Nairobi |
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