Credit Management and Debt Collection Course

This Credit Management and Debt Collection Training course includes the following modules:
Introduction to Credit Management
• What is Credit Management?
• Importance of Credit Management
• Credit Department’s Responsibility
• The 6 Cs of Credit
Credit Risk Assessment
• Financial Factors Affecting Credit Decision (Financial Statements: What to Look for) Probability of Default, Exposure at Default, Loss given Default, Expected Loss
• Borrowing Need and Capacity Assessment
• Leverage and Coverage Ratios
• Liquidity, Profitability and Activity Ratios
• Cash Flow Analysis and Projections
• The Z Score
• Credit VaR
Non-Financial Factors Affecting Credit Decision
• Business Environment and Industry Status
• Company Vulnerability
• Management Integrity, Skill & Execution
• Exercises and Cases
Mitigating Risk Assessment
• Setting the Credit Limit
• Review New Accounts
• Re-Evaluate Existing Account
Loan Structuring
• Credit Enhancements and LTV limits
• Loan Covenants
• Loan Pricing and Negotiating
• Problem Loans and Restructuring
• Credit Derivatives (Credit Default Swap, Total Return Swap, Credit Spreads etc.)
• Exercises and Cases
Collection Performance and Efficiency
• Aging of Accounts Receivable and Bad Debt Reserves Analysis
• Accounts Receivable Turnover and Days Sales Outstanding
• Collection Effectiveness Index
• Analysing Operating and Cash Cycles
• Improving Working Capital Health
• Bad Debt Collection
• Factoring
• Overdue Ratio Calculation
• Discount & Prepayments
Analysis and Decision Strategies for Credit Efficiency
• Scenario Manager
• Goal Seek
• Data Table (Sensitivity Analysis)
• Solver Technique

1ST BATCH: Tuesday, April 21, 2026 — Friday, April 24, 2026.

2ND BATCH: Tuesday, August 11, 2026 — Friday, August 14, 2026.

3RD BATCH: Tuesday, December 8, 2026 — Friday, December 11, 2026.

The training methodology integrates lectures, interactive discussions, collaborative group exercises, and
illustrative examples. Participants will acquire a blend of theoretical insights and hands-on practical
experience, emphasizing the application of learned techniques. This approach ensures that attendees return
to their professional environments equipped with both the competence and self-assurance to effectively
implement the acquired skills in their responsibilities.