Behavioral Analytics: Behavioral Scoring for SACCO Members Training Course
Introduction
In the quest for more accurate credit risk assessment, a SACCO's most valuable asset is the behavioral data of its members. This specialized training course is designed to equip credit professionals and leaders with the skills to move beyond traditional credit scores and leverage behavioral analytics for a deeper, more predictive understanding of member creditworthiness. By analyzing transaction history, savings patterns, and engagement with services, SACCOs can build a more nuanced and fair scoring model that benefits both the cooperative and its members.
This intensive program offers a clear and actionable framework for building and implementing a behavioral scoring system. Participants will learn how to identify key data points, apply predictive modeling techniques, and integrate these insights into their lending decisions. This is an essential course for any SACCO committed to enhancing its risk management, fostering financial inclusion, and creating a more data-driven approach to member-centric lending.
Duration 5 days
Target Audience This course is for SACCO credit officers, loan managers, risk analysts, data managers, and senior executives responsible for lending policies and strategic risk management.
Objectives
- To understand the principles and benefits of behavioral scoring for a cooperative.
- To master the process of collecting and preparing behavioral data for analysis.
- To identify key behavioral indicators of creditworthiness and risk.
- To apply statistical and analytical techniques to build a scoring model.
- To integrate behavioral scores with traditional credit assessment methods.
- To design a policy framework for the ethical and fair use of behavioral data.
- To leverage technology for automated data collection and scoring.
- To analyze the impact of behavioral scores on lending decisions and portfolio quality.
- To communicate the behavioral scoring model's value and fairness to members.
- To create a data-driven culture that supports innovation in lending.
Course Modules
Module 1: The Case for Behavioral Scoring
- The limitations of traditional credit scoring in a cooperative context.
- The role of member behavior in predicting repayment risk.
- The strategic and ethical benefits of behavioral scoring.
- Examples of behavioral indicators: savings consistency, transaction history, etc.
- Case studies on how behavioral scoring has transformed lending.
Module 2: Data Collection & Preparation
- Identifying relevant internal data sources within the SACCO.
- Best practices for data governance and privacy.
- Techniques for cleaning, organizing, and structuring behavioral data.
- Handling missing data and outliers effectively.
- The importance of a data dictionary and clear definitions.
Module 3: Identifying Key Behavioral Indicators
- Analyzing saving patterns and their correlation with creditworthiness.
- The predictive power of transaction history and account activity.
- Indicators from a member's engagement with the SACCO.
- Using loan repayment history as a behavioral predictor.
- The role of non-traditional data sources, such as digital footprints.
Module 4: Building a Scoring Model
- An introduction to the statistical models used for behavioral scoring.
- The process of feature selection and weighting.
- Building a simple point-based scoring model.
- Using logistic regression to predict default probability.
- The importance of model validation and back-testing.
Module 5: Integrating Behavioral & Traditional Scores
- Strategies for combining behavioral and traditional credit scores.
- Creating a blended risk score for more accurate assessment.
- The role of the credit committee in the approval process.
- How a behavioral score can provide a second chance to members with no credit history.
- The link between scoring and loan pricing strategies.
Module 6: Policy & Governance
- The board's role in approving the behavioral scoring policy.
- Essential components of a comprehensive policy manual.
- Defining clear roles and responsibilities for data management.
- The importance of regular policy review and revision.
- Aligning scoring policies with the SACCO's risk appetite.
Module 7: Ethics & Fairness
- The ethical considerations of using member data.
- Addressing algorithmic bias and ensuring fairness in the model.
- The importance of model explainability and transparency.
- Protecting member data privacy and security.
- The role of a review process for members who wish to appeal their score.
Module 8: Technology & Automation
- Leveraging a loan management system for automated scoring.
- The use of dashboards for real-time risk monitoring.
- How technology can streamline the loan application process.
- The future of AI and machine learning in behavioral analytics.
- Integrating the scoring model with other SACCO systems.
Module 9: Communication with Members
- Strategies for transparently explaining the scoring model to members.
- The benefits of showing members how their behavior affects their score.
- Educating members on how to improve their behavioral score.
- The importance of a clear communication plan for score-related decisions.
- Building member trust through a fair and consistent process.
Module 10: Capstone Project: A Behavioral Scorecard Design
- Participants will work in teams to design a behavioral scorecard for a SACCO case study.
- They will identify key data points, assign weights, and create a tiered scoring system.
- Teams will present their scorecard to a mock "Credit Committee."
- The module provides a hands-on opportunity to apply the concepts from all modules.
- The project prepares participants to implement a behavioral scoring 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
Behavioral Analytics: Behavioral Scoring For Sacco Members Training Course in Sao Tome and Principe
| 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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| 20/10/2025 - 24/10/2025 | $1,500 | Nairobi |
|
| 03/11/2025 - 07/11/2025 | $1,750 | Mombasa |
|
| 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 | $1,750 | 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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| 16/02/2026 - 20/02/2026 | $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 |
|
| 13/04/2026 - 17/04/2026 | $1,500 | Nairobi |
|
| 20/04/2026 - 24/04/2026 | $1,500 | Nairobi |
|
| 04/05/2026 - 08/05/2026 | $1,750 | Mombasa |
|
| 11/05/2026 - 15/05/2026 | $1,500 | Nairobi |
|
| 25/05/2026 - 29/05/2026 | $1,500 | Nairobi |
|
| 01/06/2026 - 05/06/2026 | $2,900 | Kigali |
|
| 15/06/2026 - 19/06/2026 | $1,500 | Nairobi |
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| 22/06/2026 - 26/06/2026 | $1,500 | Nairobi |
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