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

Professional Summary

Reynuhadevi Ramachandran (Reynu) is a dynamic, results-driven corporate trainer and business strategist with over 20 years of experience in financial management, business consulting, leadership development, organizational development, HR, and administration. She brings a strong corporate foundation from the banking and financial services sector, having held key leadership roles at CIMB Bank and AEON Credit Service (M) Berhad, where she led Business Development, Sales & Marketing, Product Development, P&L and Budget Management, Operations, Insurance, and Credit Recovery.

Since transitioning into full-time training and consulting in 2019, Reynu has built a distinguished reputation for delivering transformative programs for financial institutions, SMEs, MNCs, government agencies, and start-ups. Her ability to integrate real-world experience, strategic insights, and people-centered facilitation allows her to simplify complex business challenges into practical, actionable solutions.

She is also a strong advocate for women’s economic empowerment. Through collaborations with Ministries and NGOs, she has trained over 800 B40 and M40 women in financial literacy, entrepreneurship, and personal development.

As an HRD Corp–accredited trainer, Reynu is widely recognized for her engaging personality, strategic thinking, and strong rapport with C-suite leaders, managers, and operational teams across industries.

Academic & Professional Qualifications

• Bachelor’s Degree in Finance
  • Master of Business Administration (MBA), University of Ballarat, Victoria, Australia
  • HRD Corp Accredited Trainer (Malaysia)

Areas of Expertise

• Financial Management & Financial Literacy
  • Business Development & Strategic Planning
  • Leadership & People Development
  • Organizational Development & Change Management
  • Customer Service & Customer Experience
  • Sales, Marketing & Negotiation
  • Credit Recovery & Debt Management
  • Credit Consulting & Risk Management
  • Entrepreneurship & SME Advisory
  • HR, Operations & Administrative Management

Training & Consulting Experience

HRD Corp Accredited Trainer (2019 – Present)
Delivered high-impact corporate and public programs in areas including:
• Leadership & Supervisory Skills
• Financial Literacy & Financial Management
• Business Strategy & Operational Excellence
• Customer Service & Communication Skills
• Credit Recovery, Debt Management & Negotiation
• Entrepreneurship & Women Empowerment Programs
• Personal Effectiveness, Mindset & Self-Development

Women Empowerment & Community Programs
• Trained over 800 women (B40 & M40) in financial literacy, entrepreneurship, mindset transformation, and income-generating skills.
• Worked with Women’s Ministries, NGOs, and community organizations on capacity-building initiatives.

Industry Experience

Leadership Roles – CIMB Bank & AEON Credit Service (M) Berhad
• Led Business Development, Sales & Marketing, Product Development
• Managed P&L, budgeting, and operational strategies
• Overseeing Insurance, Credit Recovery, Risk Assessment, and Customer Solutions
• Led high-performing teams across core business functions

Business & Financial Consultant
• Provides advisory in financial management, risk mitigation, business expansion, and operational optimization.
• Works with SMEs, start-ups, and corporate organizations on strategic growth projects.

Industries Trained & Consulted

• Banking & Financial Services
• Insurance & Risk Management
• Education & Training
• Telecommunications
• Logistics & Transportation
• Manufacturing & Engineering
• Retail, Services & SMEs
• Government, NGOs & Community Organizations

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.

Payment mode:

Payment must be 100% upfront upon confirmation.

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