MSME Digital Credit Product Design Training Course

Introduction

This intensive 5-day training course provides a comprehensive and practical exploration of MSME (Micro, Small, and Medium Enterprises) digital credit product design. MSMEs are the backbone of many economies, yet they often face significant challenges in accessing formal credit due to traditional underwriting limitations and high operational costs for lenders. Digital credit models, leveraging technology and alternative data, are revolutionizing this landscape by offering faster, more accessible, and tailored financial solutions. This program will equip participants with the essential knowledge and practical skills to design innovative digital credit products that effectively meet the unique needs of MSMEs while ensuring sustainable growth and robust risk management for lenders.

The course goes beyond theoretical concepts, focusing on real-world business models, regulatory considerations, and the practical challenges of developing and deploying digital credit products for the MSME segment. Through interactive case studies, hands-on exercises in product ideation, and discussions of successful digital lending platforms, attendees will learn to assess market opportunities, understand MSME credit risk in a digital context, and appreciate the competitive dynamics shaping the future of small business finance. Whether you are a financial institution seeking to enhance your MSME offerings, a fintech entrepreneur, a development finance professional, or a product manager, this program offers an unparalleled opportunity to master the critical aspects of MSME digital credit product design and contribute to financial inclusion and economic development.

Duration: 5 days

Target Audience:

  • Product Managers in Banks and Fintechs
  • Digital Lending Teams
  • Credit Analysts and Risk Managers focused on MSMEs
  • Business Development Managers in Financial Services
  • Fintech Entrepreneurs
  • Financial Inclusion Specialists
  • Development Finance Professionals
  • Consultants in SME Finance

Objectives:

  • To provide a comprehensive understanding of the MSME digital credit landscape and market needs.
  • To equip participants with the skills to design innovative and user-centric MSME digital credit products.
  • To understand the role of technology and alternative data in MSME credit assessment and delivery.
  • To explore effective risk management strategies and regulatory considerations for MSME digital credit.
  • To enable participants to develop a roadmap for launching and scaling MSME digital credit products.

Course Modules:

Introduction

  • Defining MSMEs and their critical role in economic development.
  • Challenges faced by MSMEs in accessing traditional credit.
  • The rise of digital credit as a solution for MSME finance.
  • Overview of the global MSME digital lending landscape and key players.
  • Course objectives and an outline of the modules.

Understanding MSME Needs and Segmentation

  • Diverse financial needs of micro, small, and medium enterprises.
  • Behavioral characteristics and financial habits of MSME owners.
  • Market segmentation approaches for MSMEs (e.g., sector, size, digital maturity).
  • Identifying pain points in existing MSME credit processes.
  • Conducting customer research and empathy mapping for MSMEs.

Digital Credit Product Types for MSMEs

  • Short-term working capital loans and revolving credit lines.
  • Invoice financing and supply chain finance solutions.
  • Merchant cash advances and revenue-based financing.
  • Asset-backed lending and equipment financing.
  • Specialized loans for specific MSME segments (e.g., e-commerce sellers, gig economy workers).

Leveraging Data and Technology for Underwriting

  • Traditional vs. alternative data sources for MSME credit assessment (e.g., transactional data, tax data, social media, utility bills).
  • Open Banking and API-driven data aggregation for MSMEs.
  • Artificial Intelligence (AI) and Machine Learning (ML) in MSME credit scoring.
  • Automated decision engines and instant loan approvals.
  • Challenges in data privacy and ethical AI for MSME credit.

User Experience (UX) and Digital Delivery Channels

  • Designing intuitive and seamless digital application journeys for MSMEs.
  • Mobile-first strategies and app-based lending.
  • Integration with accounting software, POS systems, and e-commerce platforms.
  • Streamlining onboarding, documentation, and disbursement processes.
  • Digital communication strategies for loan servicing and collections.

Risk Management and Portfolio Monitoring

  • Unique credit risks in the MSME segment and mitigation strategies.
  • Fraud detection and prevention for digital MSME loans.
  • Dynamic risk pricing and adaptive credit limits.
  • Real-time portfolio monitoring and early warning systems.
  • Developing robust collection strategies for digital MSME portfolios.

Regulatory and Compliance Considerations

  • Licensing requirements for digital MSME lenders.
  • Fair lending practices and preventing discrimination in algorithms.
  • Data protection and privacy regulations (e.g., GDPR, local equivalents).
  • Anti-Money Laundering (AML) and Know Your Customer (KYC) for MSMEs.
  • Responsible lending guidelines and consumer protection for small businesses.

Launching and Scaling Digital MSME Credit Products

  • Go-to-market strategies and customer acquisition for MSME digital credit.
  • Building a scalable technology infrastructure.
  • Strategic partnerships with technology providers, banks, and non-financial entities.
  • Measuring success: key performance indicators (KPIs) for MSME digital lending.
  • Future trends: embedded finance for MSMEs, blockchain in supply chain finance.

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 and 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

 

Msme Digital Credit Product Design Training Course in Fiji
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