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Duration 7 hours
Course Outline
The SA Telecom Credit Landscape
- Map the end-to-end credit lifecycle, from customer acquisition and vetting through account management, collections and portfolio review.
- Explain how South African economic conditions and customer circumstances can influence affordability, payment behaviour and credit risk.
- Compare the risk considerations of prepaid, postpaid and handset-financing customers.
- Connect credit decisions to Customer Lifetime Value (CLV), bad debt and sustainable commercial growth.
Vetting Operations & Scorecards
- Apply structured, risk-based vetting techniques within NCA-compliant frameworks.
- Interpret application, bureau and relevant internal account information to build a more complete view of customer risk.
- Use scorecards and policy rules to support consistent decisions, referrals and escalations.
- Identify information gaps, inconsistencies and potential risk indicators that call for further review.
Practical Lab: Excel Credit Modeling
- Use Excel to organise and analyse credit data for scoring and portfolio assessment.
- Apply a credit scoring model to compare risk profiles and support decision recommendations.
- Run simple predictive scenarios to explore how changes in selected inputs may affect risk outcomes.
- Use aging analysis to examine overdue balances, identify emerging payment issues and monitor portfolio performance.
- Document model assumptions and recognise where results require human review.
Risk Mitigation & Collections
- Identify practical ways to manage exposure throughout the credit lifecycle, from appropriate limits to early intervention.
- Use delinquency and aging information to help prioritise accounts for collection activity.
- Match collection actions to account circumstances and risk indicators while supporting fair, consistent customer treatment.
- Monitor collection and mitigation outcomes in relation to recoveries, bad debt and customer retention.
Strategic Decisioning & Simulation
- Balance credit risk, commercial growth and CLV when making or recommending decisions.
- Apply risk-based decisioning to hypothetical customer and portfolio scenarios.
- Assess the potential trade-offs of alternative decisions, including their possible effects on acquisition, exposure and bad debt.
- Explain recommendations using clear evidence, consistent criteria and relevant NCA requirements.
- Identify measures to monitor after a decision and use performance insights to inform future action.
Testimonials (4)
How to manage business financials
surprise mtileni - Hatima Holdings (Pty) ltd
Course - Learning Xero
Good communication, open for discussion, kept it interesting and engaging
Ahmet Keyman - Keytrade AG
Course - Management Accounting and Finance for Non-Finance Professionals
Experience of the trainer and his way of conveying the content
Roggli Marc - Bechtle Schweiz AG
Course - FinOps
The trainer did not leave a single minute unexploited! He was up a storm throughout every lesson and provided much material for whatever he dealt with.
