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CERTIFICATE
PROGRAM

Certificate Program on Stressed Assets& Receivable Management

Background of the Program:

  • Stressed assets and overdue receivables created a very big impact on the economy.
  • In last eight ( 8 ) years Banks and Financial Institutions written off a bad loan worth 10.8 lakh crores ( Approx.).
  • Time to time to address this problem Govt. of India, RBI are taking various initiatives like OTS scheme, introduction of IBC Act 2016 and other measures of dispute resolution, mediation etc.
  • This problem aggravated more for the finance industry when it coupled with normal receivable management of existing borrowers.
  • The reality is, this problem is so complicated and tough, our existing education system is not gear up to provide skilled professionals to face this challenge.
  • The entire issue and the size of the problem create a vacuum as well as opportunity for those aspirants who wanted to take up this a challenge and position themselves as successful Asset Management professionals.
  • Training program of stressed asset and receivable management is the need of the hour of this industry.

 

  • This hands on training program will empower students of business management, young executives working in various financial institutions by learning the in-depth knowledge and the understanding of stressed asset resolution, receivable management, legal recourses and financial structuring to formulate the turnaround strategy.

Learning Pathway

  • Understand the stressed assets.
  • Prevention management against assets becoming stressed.
    • Soft Collection
    • Procedure and control
  • Remedies and recourses.
    • Non Legal
    • Legal
  • Strategy formulation through Credit and Risk analysis.
    • Recourse
    • Restructuring / Rephasement
    • Account normalisation
  • Legal obligations.
  • Loss recovery.
    • Strategy and procedure

Who should attend

  • Corporate Executives who are in fund based business.
  • Collection & Receivable Management professionals.
  • Representatives of Financial institutions – Banks, NBFCs, ARCs etc.
  • Aspiring business managers.
  • Policy decision makers.
  • Banks/ Financial institutions dealing with stressed assets.

TIME AND TOPIC

  • Understanding the stressed asset market and opportunities.
      • Definition and understanding the stressed asset
      • Why assets are getting stressed?
      • Stressed asset management business – Global perspective
      • Stressed asset portfolio size in India – segment wise analysis
      • Why stressed asset management is an opportunity
  • Prevention management on assets becoming stressed.
      • Stress testing – on collection perspective
      • Soft collection methodology and implementation
      • Importance of MIS to manage receivables
      • Soft recourse strategy
  • Credit and Risk management.
      • Non-financial analysis
      • Financial analysis
      • Work / Cash flow / Viability analysis
      • Environmental analysis
  • Decision making process and implementation.
      • Cut the loss
      • Revival
      • Recourse
  • Legal and non-legal recourses.
      • Strategy formulation
      • Legal obligations and scope
      • Pre and post legal action for legal initiation
  • Monitoring and management through MIS.
      • Development of effective MIS system to understand the collection performance, employee efficiency, concentration of Debtors, product performance and geographical distribution.
  • Loss recovery.
      • Process
      • Strategy
      • Implementation
      • Legal recourse
      • Business opportunity