C L A R I D E N 9 10 December 2013 Knowledge for the world business leaders

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1 C L A R I D E N 9 10 December 2013 Knowledge for the world business leaders Shangri-La Hotel, Jakarta, Indonesia Faculty Director Manj Blah Leading Authority in Credit Risk Management and Debt Recovery with more than 25 years of professional experience in advising large organizations across Europe Held various Senior Credit Risk Management positions in multinational corporations such as Visa, MasterCard, Natwest Card Services, and Citibank Advised various Indonesian Banks on managing their overall credit risks and exposure Manj Blah has over 30 years experience in the financial services sector and specifically over 25 years global experience in credit risk management in secured and unsecured lending. He currently runs his own consulting company Risk Optimal Solutions advising and implementing on all aspects of credit risk. He was European Regional Practice leader for Credit Risk Management for Visa Europe as well as MasterCard Advisors and prior to this he was Head of Risk Management for the consumer lending business and small business at Bank of Ireland. He also was Head of Risk Management for NatWest Card Services. Before NatWest Manj worked for Citibank - European Consumer Services (Group), as Business Risk Reviewer (BRR) and Senior Credit/Financial Officer. He has wide experience across Europe. Manj has extensive experience in credit risk covering all aspects from a cradle to grave perspective, covering MIS, analytics, strategies and credit financials. He has advised many large organisations in not only how to control credit losses but also in indentifying opportunities in revenue generation.

2 FACULTY DIRECTOR Manj Blah Leading Authority in Credit Risk Management and Debt Recovery with more than 25 years of professional experience in advising large organizations across Europe Held various Senior Credit Risk Management positions in multinational corporations such as Visa, MasterCard, Natwest Card Services, and Citibank Advised various Indonesian Banks on managing their overall credit risks and exposure Manj Blah has over 30 years experience in the financial services sector and specifically over 25 years global experience in credit risk management in secured and unsecured lending. He currently runs his own consulting company Risk Optimal Solutions advising and implementing on all aspects of credit risk. He was European Regional Practice leader for Credit Risk Management for Visa Europe as well as MasterCard Advisors and prior to this he was Head of Risk Management for the consumer lending business and small business at Bank of Ireland. He also was Head of Risk Management for NatWest Card Services. Before NatWest Manj worked for Citibank - European Consumer Services (Group), as Business Risk Reviewer (BRR) and Senior Credit/Financial Officer. He has wide experience across Europe. Manj has extensive experience in credit risk covering all aspects from a cradle to grave perspective, covering MIS, analytics, strategies and credit financials. He has advised many large organisations in not only how to control credit losses but also in indentifying opportunities in revenue generation. PROGRAM SUMMARY Program: Effective Credit Risk Management and Debt Recovery Strategies for Banks in Indonesia Dates: 9 10 December 2013 Location: Shangri-La Hotel, Jakarta, Indonesia Early Bird 1 (Register & pay by 16 Oct 2013): US$2,295 Early Bird 2 (Register & pay by 13 Nov 2013): US$2,495 Regular Tuition Fee: US$2,595 For limited period only: Registration for 2 participants, 10% on 2nd participant For limited time only by 13 November 2013, registration for 3 participants, the 4th participant will receive a complimentary seat (one discount scheme will apply) 2

3 Program Essence: This comprehensive two-day executive program is designed for middle and senior level executives in banks and financial institutions to provide you with an effective framework and strategy for managing your bank s overall credit risks while maximizing profitability. Led by a world class global thought leader on credit risks who has managed credit risks globally, you will learn how to manage across different aspects of the credit cycles and establish the principles, process and responsibilities of effective credit risk management. You will understand the importance of the different components of the profitability equation and how to use forecasting techniques to predict future losses. You will also find out how to use screening tools, credit policy, and latest innovation to evaluate client credit worthiness to control delinquent and bad accounts. In addition, you will understand why, where, and how behavioral scorecard is used in exposure management. Our expert trainer will share strategies or best practices in collecting bad debts/slow paying accounts. You will also learn how to use appropriate MIS for your organization to maximize the profitability. Throughout the program, you will be heavily involved in the case studies discussion, drawn from actual case to maximize the learning benefits and also to help you leave with specific actions steps for resolving current and future challenges. At the end of the program, you will have a good grasp of the principle of credit risk management that will enable you to identify the right tools to use, develop appropriate strategies to control risk and understand the financial implications of your credit risk decisions. PROGRAM INTRODUCTION Economic growth has leapt ahead of Indonesian bank s ability to assess the credit risk they are being exposed to. The key challenge for Indonesia s banking system is building a rigorous credit models. Organizations in Indonesia are increasingly looking to find the right balance in the Risk/Reward equation and in today s environment using good Credit Risk Management practices to optimize profitability will help your business become more successful. This comprehensive two-day executive program is designed to assist you in thinking outside the normal parameters that most businesses follow. It covers all aspects of Credit Risk, from an application design to write-off that will enable you to manage your business growth while minimizing the losses. Through this course, you will learn how to manage across different aspects of the credit cycle and establish the principles, process and responsibilities of effective credit risk management. You will understand the different components of the profitability equation and how to use forecasting techniques to predict future losses. You will also find out how to use screening tools, credit policy, and latest innovation to evaluate client credit worthiness to control delinquent and bad accounts. In addition, you will understand why, where, and how behavioral scorecard is used in exposure management. Our expert trainer will share strategies or best practices in collecting bad debts/slow paying accounts. You will also learn how to use appropriate MIS for your organization to maximize the profitability. Throughout the program, you will be heavily involved in the case studies discussion, drawn from actual case to maximize the learning benefits and also to help you leave with specific actions steps for resolving current and future challenges. At the end of the program, you will have a good grasp of the principle of credit risk management that will enable you to identify the right tools to use, develop appropriate strategies to control risk and understand the financial implications of your credit risk decisions. 3

4 WHO WILL BENEFIT MOST This executive program has been specifically designed for middle and senior level executives in the banks and financial institutions dealing with Credit Review, Credit Risk, Credit Processing, Debt Recoveries, Debt Collection, Account Management, Loan/Lending, and Risk Management. This program is also applicable to CFO, Financial Controllers, Head of Credit, and Credit Analysts. LEARNING OBJECTIVES Understand how all areas of business are influenced by Credit Risk Management Learn the Principles of credit risk management to maintain control of account acquisition, account management and collections Find out how to use MIS to manage a volume driven business Discover how to create efficient analytics and statistical models in credit risk Enhance your ability to evaluate and select reliable customers Apply correct strategies and methods to recover bad or delinquent debts Forecasting your key credit indicators in order to save your business time and money Find out the areas where opportunities lie to generate revenue without taking unwanted risks PROGRAM OUTLINE DAY 1 Introduction Participants expectation and general discussion about what is Credit Risk Management and their perception of why it is important The Credit Cycle and Principles of Credit Risk Management This section deals with the process, principles and the responsibilities that underline the fundamentals of Credit risk Management. Included are the links between Front-end, Account management and collections. Processes Responsibilities Profiling Screening Account management Collections Product Planning and Profitability This section is non-technical and is designed to give participants an understanding of the relative importance of the different components of the profitability equation. The dynamic nature of risk recognition is explained and the use of forecasting techniques to predict future losses. Principles Profit Objectives Profit model Provisions 4

5 Program Outline Account Acquisition The account acquisition process looks at the workflow to begin with and continues with the screening tools including manual underwriting. This is then complimented with the criteria through the credit policy considerations and the latest innovations. Typical Process Scorecards development & usage Underwriting Policy rules Credit Line assignment Latest Innovations DAY 2 Account (Portfolio) Management Credit Risk management has an important role to play with existing customers. This includes revenue generation through line increase program (also line decrease to limit the exposure). Shadow limits and authorisation are addressed because they are correlated to losses plus the strategies one can use in the management of exposure management. Underpinning all the above is the why where and how Behavioural scorecard is used. Behavioral scorecards, development, data, usage, tracking Credit Line Increases objectives, strategies, common pitfalls Shadow Limit/Authorization strategies Exposure Management Strategies Insert keyword for topic Collections/Recoveries Collections are usually the most underrated tool in the armoury of Credit Risk management, not in terms of managing the logistics, but in terms of applying the appropriate strategies. It is here that we look at the different techniques used to collect, the tools that are available, and the use of analytics in collection strategies. Flow Rates Collection Scorecards Strategies Delinquent, Over limit Debt Collections Agency Management Debt Sale Loss Recognition/forecasting MIS In a volume driven business the importance of the right MIS cannot be overstated. Without the appropriate MIS the business will always struggle to be optimal in its profitability. If the business can t measure it, then it can t manage it. This section will go into the type of MIS required and what it tells us. Key Performance Indicators Monitoring/tracking Scorecard MIS Threshold Benchmarking Awarding of Certificate 5

6 EFFECTIVE CREDIT RISK MANAGEMENT AND DEBT RECOVERY STRATEGIES FOR BANKS IN INDONESIA 9 10 December 2013 Shangri-La Hotel, Jakarta, Indonesia REGISTRATION PAGE C L A R I D E N Knowledge for the world business leaders Booking Contact (Approving Ma nager) Mr/Mrs/Ms: Job Title: Department: Telephone: Fax: Organization: Address: Postal Code: I would like to receive more information on hotel accommodation using Clariden Global corporate rate. Please register the following participant(s) for this Program: 1st Participant Name (Mr/Mrs/Ms): 2nd Participant Name (Mr/Mrs/Ms): 3rd Participant Name (Mr/Mrs/Ms): 4th Participant Name (Mr/Mrs/Ms): PROGRAM FEES 1 ST EARLY BIRD FEE: US$2,295 (Registration and payment must be received by 16 Oct 2013) 2 ND EARLY BIRD FEE: US$2,495 (Registration and payment must be received by 13 Nov 2013) REGULAR FEE: US$2,595 GROUP DISCOUNT: For 2 registrations from the same company and billing source, the 2nd participant enjoys a 10% discount. For registrations of 3 from the same company and billing source, the 4th participant receives a complimentary seat. One discount scheme applies per company. Important Notice: Payments are required with registration and must be received prior to the Course to guarantee your place. PAYMENT METHODS BY CHEQUE / BANK DRAFT: Made payable to CLARIDEN GLOBAL INTERNATIONAL LIMITED and mail to: 3 International Business Park, #04-29, Nordic European Centre, Singapore BY TELEGRAPHIC TRANSFER TO: Bank Name: Standard Chartered Bank Bank Code: 7144 Bank Branch Code: 001 Bank Address: 6 Battery Road, #01-01, Singapore Bank Account No: Bank Account name: CLARIDEN GLOBAL INTERNATIONAL LIMITED Bank SWIFT Code: SCBLSGSG Please note that all bank charges are to be borne by participants. Please ensure Clariden Global receives the full invoiced amount. Note: Please include invoice number on all payment types and your company s name in your payment instructions for our reference. CREDIT CARD: To make payment by credit card, please call our client services hotline at WAYS TO REGISTER admissions@claridenglobal.com Fax: Call: Website: DATE AND LOCATION This executive program will be held at: Shangri-La Hotel, Jakarta, Indonesia 9 10 December 2013 Kota BNI JL. Jend. Sudirman Kav. 1, Jakarta, 10220, Indonesia Tel : Fax : Website : The fee for this two-day executive program includes all written materials, lunch and refreshments. HOW TO REGISTER AND PAY An invoice and registration confirmation will be sent within 7 days, please contact us if you have not heard from us within 7 days. Payment can be made by credit card, by bank transfer or by cheque made payable to Clariden Global International Ltd. ALL PAYMENTS MUST BE RECEIVED IN ADVANCE OF THE EVENT. ACCOMMODATION Accommodation is not included in the conference fee but you will be entitled to use our corporate rate for your accommodation. Information will be sent with the registration confirmation. SPONSORSHIP INTERESTED IN PROMOTING YOUR ORGANIZATION TO OUR PARTICIPANTS For more information on sponsorship, tabletop displays & insert opportunities, please contact us at CANCELLATIONS AND SUBSTITUTIONS Once we have received your booking, the place(s) are confirmed. No refunds will be made for any cancellations, however, program credits of equivalent value only applicable for Clariden Global events will be provided. Credits can only be redeemed for 1 program and is valid for only one (1) year from date of issue. Substitution with a qualified candidate is allowed by providing at least 5 working days of advance notice to Clariden Global. One time substitution is allowed with no charges. Subsequent substitutions will be charged 10% admin fee. ALL CANCELLATIONS MUST BE RECEIVED IN WRITTEN FORM PLEASE NOTE: Clariden Global International Limited reserves the right to change the content and timing of the programme, the speakers and the date and venue due to reasons beyond their control. If in the unlikely event that the course is cancelled, Clariden Global International Limited will refund the full amount and disclaim any further liability. ENQUIRIES: If you have any queries about registration or payment please do not hesitate to contact our client services department on PRIVATE DISCLOSURE STATEMENT: Any information provided by you in relation to this event is being collected by Clariden Global International Limited and will be held in the strictest confidence. It will be added to our database for the primary purpose of providing you with information about future events and services. Visit us at for upcoming events FOR OFFICIAL USE FEE RECEIVED REFERENCE L3070/LC/JN