SME & Credit Risk Solutions for Banks Masterclass

Banking professionals across the African continent working anywhere in the SME credit lifecycle: relationship managers, business bankers, credit analysts and underwriters; collections and workout officers; heads of SME banking and credit; and risk, audit and credit-review specialists — from commercial banks, development finance institutions and microfinance providers determined to grow their SME books without growing their NPLs.

Yes — that reality is central to the programme. It teaches cash-flow-based underwriting for exactly the situations where financial statements are absent, incomplete or informally prepared: assessing real repayment capacity, structuring loans to the business cycle, and moving the institution from collateral-reliance to repayment-capacity lending.

The full SME lifecycle across the sectors that dominate African portfolios — agribusiness, trade, manufacturing and services — each with distinct risk drivers and structures. Coverage runs from origination through early-warning systems, IFRS 9 staging and provisioning, portfolio analytics such as PAR and vintage analysis, restructuring, collections and recoveries, to credit governance and digital-lending risks including fraud and over-indebtedness.

Yes. Every BIZENIUS programme can be delivered in-house, and this masterclass adapts well to a single institution’s SME strategy, sector mix and collections framework. It is available in English and French — valuable across francophone African markets — with dates on a rolling calendar confirmed on request, and fees quoted on enquiry.