Fraud Management for Credit Operations

• Identify, Mitigate Fraud in Credit Process- Pre, During and After Disbursement
• Assess Credit analysis and profiling customers
• Identify Solution to Burning issues in collection
• Review Collection Strategies
• Analyse Financial Ratios and Credit Evaluation Analysis
• Understand Risk Based Site Visit Improvement Process
• Understand Thinking Out Of Box Collection Strategies

Bankers, Accountants, Finance Managers, Risk Analyst, Credit Officer and Recovery Officer, Business Managers, Marketing Managers and Accounting Supervisors

Day 1 Module 1: Credit Appraisal System for SME Sector Sales Guidelines: Credit Appraisal Process Credit Appraisal should be based upon

• Financial performance 
• Business performance 
• Industry outlook 
• Quality of management 
• Conduct of account

Financial Ratios and Credit Evaluation Analysis (Predicting Business Failure) Learn how to size up a company quickly by reading their financial ratios 

• Liquidity 
• Solvency 
• Efficiency 
• Profitability 
• Asset Management 
• Assessing drivers of company profitability and growth: - 
• Operations and investment strategies: operating and investment management 
• Measuring the 'Fiscal-Fitness' of a company: The Altman Z-Score

Credit Evaluation and Monitoring 

• Importance of Credit Evaluation and Monitoring
• Criteria for Approval or Rejection 
• Setting the Credit Limit
• Monitoring Customer Account  
• Group exercises

Module 2: Qualities Of An Effective Credit Officer And Recovery Officer

• Passion
• Patient
• Perseverance
• Persistent

Module 3: Risk Based Site Visit Improvement Process Fraud Detection Identified from the site visit.

• Applicant sharing business premises with other company (same industry)
• Applicant mock up the business activity during the visitation
• Site visit officer unable to investigate further due to time limitation

Too many additional documentation after site visit

• Loan approved based on mandatory document
• Incomplete document will affect the process.
• Credit analyst and approver require more document after the site visit to fulfil the comfort level in underwriting

Module 4: Strategies To Reduce Non Performing Loans

• Know your customers
• Plan your site visit
• Focus on collectable and big customers
• Lead by example
• Think out of the box
• Recovery techniques
• Put your house in order
• Collection risk model

Day 2 Module 5: How To: Prevent Loan Application Fraud - Identity Veriation Tests to Prevent Loan Application Fraud 

• Pre- Application
• Identity Document Veriation 
• Identity Data Validation 
• Bank Account Ownership 
• “Out of Wallet” Questions 
• Out of Band Phone Veriation 
• Social Media Analysis 
• Video Conversation 

Module 6: How To: Prevent Loan Application Fraud - Beyond Identity Veriation (Strategies to Prevent Lending Fraud)

• Leverage Industry Data 
• Leverage Your Own Data 

Module 7: Automated Risk Profiling Checklist Fraud Risk Control

• Internal Blacklist checking
• Company’s operating address
• Information of Guarantors/Board of Directors/ Key person 
• Information of company’s Auditor/ Secretary
• Issuance of key person’s identity card 
• Other Irregularities noted

Fraud Cum Credit Risk Control

• Applicant company’s profile
• Key person and guarantor’s credit card utilization
• Bank statement transaction
• Key residential address

Module 8: Reducing Non Performing Loans: Case Studies- Debt Recoveries

• Negotiation skills
• Effective Collectors 
• Handling Difficulty Debtors
• Credit evaluation
• Credit Controller Task
• Dealing with NPL Borrower
• Detecting early Warning signs
• Handling Government Account

Module 9: Discuss the Key Legal Aspects of Credit Management and Debt Recovery

• Why Should take Legal Action
• Why Should not take Legal Action
• Legal Processes and Documentation

REYNUHADEVI RAMACHANDRAN (REYNU)
Corporate Trainer | Consultant | Financial & Business Strategist

Ms. Reynu is a highly accomplished trainer, consultant, and corporate strategist with over 20 years of professional experience in Financial Management, Business Consulting, Personal Development, Leadership, Organizational Development, HR, and Administration. She has worked extensively with financial institutions, SMEs, MNCs, and start-ups, earning a strong reputation as a results-oriented expert in corporate training and transformation.

Before transitioning into full-time training and consulting in 2019, Reynu held leadership roles at CIMB Bank and AEON Credit Services (M) Berhad, where she led critical functions such as Business Development, Sales & Marketing, Financial Product Development, P&L & Budget Management, Operations, Insurance, and Credit Recovery.

Her deep understanding of the banking and financial services sector, combined with hands-on experience in debt recovery and credit consulting, allows her to provide strategic guidance and training to organizations seeking to enhance their financial governance, risk management, and customer-focused recovery practices.

Reynu has conducted impactful training programs across diverse industries, including banking, insurance, education, telecommunications, logistics, manufacturing, and HR. She has also been an active advocate for women’s economic empowerment, having collaborated with Women’s Ministries and NGOs to train over 800 women from B40 and M40 households in financial literacy, entrepreneurship, and self-development.

As an HRD Corp accredited corporate trainer, she holds a Bachelor’s Degree in Finance and an MBA from the University of Ballarat, Victoria, Australia. Reynu is widely recognized for her dynamic leadership, strategic thinking, and ability to engage effectively with C-suite executives, business leaders, and operational teams.

Her proven track record in driving performance, building high-impact teams, and enabling business growth has made her a sought-after speaker at prestigious industry events and a trusted advisor to many organizations across Malaysia and the region.

For training and advisory services, feel free to contact us at info@itrainingexpert.com or call us at +603 8082 3707 | +603 8074 9056 | +6012 6869 628 | +6018 2175 123

Upon successful completion of this program, you will receive a Certificate of Achievement.

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