4th CREDIT REPORTING AND RISK MANAGEMENT TRAINING

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1 4th CREDIT REPORTING AND RISK MANAGEMENT TRAINING Lanai Kijang, Kuala Lumpur 5-9 November 2012 A joint initiative by and Bank Negara Malaysia

2 3. COURSE PROGRAMME - November 4, 2012 DAY 1 CREDIT REPORTING MONDAY 5 NOVEMBER 2012 CHAIRED BY: MR. FABRIZIO FRABONI 08: Registration 09:00 09:05 Welcome Remarks Mr. Marzunisham Omar Assistant Governor Bank Negara Malaysia 09:05-09:30 Group photo session 09:30-10:30 Session 1: International Credit Reporting Status in :30 11:00 Tea Break The session will focus on developments and challenges in 2012 with credit reporting, and will include a regional overview based on the Doing Business Report Ms. Jennifer Barsky Global Program Manager, Financial Infrastructure 11:00 13:00 Session 2: PCB Licensing / Supervision The session will focus on key issues such as defining the initial licensing requirements, monthly off-site monitoring, practical on-site audits, addressing system issues, processes, procedures, human resources profiles, creating an operating manual and defining rules and violations, sanctions and learned lessons. Mr. Gabriel Davel Former South African Credit Bureau Regulator Mr. Peter Sheerin Credit Bureau and Risk Management Advisor 2 P a g e

3 13:00 14:15 Lunch Residential Café, Level 3 14:30 16:00 Session 3: Legal Framework The session will focus on the importance of a sound legal framework, and will address issues such as trust; the need for a reasonable compromise between consumers privacy rights and information completeness /availability and why the credit reporting legal framework is so specific. The session will also cover issues such as consent, bank secrecy requirements and how can consumer rights influence credit reporting. Learn how to draft a complete, advanced, specific law project for credit information sharing. Ms. Oulimata Diop, Director Ministry of Finance Senegal Mr. Oscar Madeddu Principal Operations Officer, Global Credit Reporting Program 16:00-16:30 Tea Break 16:30-17:15 Session 4: Video and Discussion: Financial Literacy: an Experiment From Italy on New Forms of Communication 17:15 17:30 Wrap Up for The day Mr. Fabrizio Fraboni Principal Operations Officer, Global Credit Reporting Program :30 Welcome Reception 3 P a g e

4 DAY 2 CREDIT REPORTING TUESDAY 6 NOVEMBER 2012 CHAIRED BY: MR. BASSIM SHARAFELDIN :45 Session 5: Selecting the Provider 10:45 11:15 Tea Break The session will focus on key issues pertaining to procurement, such as what do to after the RFP goes out and how to evaluate the proposals, including the following: What to do after the RFP goes out? How to evaluate the proposals? How to structure the evaluation? Who shall be part of the evaluation committee? What is important to assess? What is the best profile of a provider? How to compare proposals and prices? How is a good scorecard composed? How to apply the score? How to respect the procedures? Why the site visits are important? Learned lessons from previous projects. Mr. Fabrizio Fraboni Principal Operations Officer, Global Credit Reporting Program 11:15-13:00 Session 6: Building a Credit Reporting System? It s About Data 13:00 14:00 Lunch The session will focus on the critical topic of data, including key issues such as appreciating the importance of defining an acceptable input file format; addressing the discrepancies between the data required and the data available; and resolving the common issues facing data providers/users such as data availability and format, optional versus mandatory data, different levels of technical sophistication and different supports (paper, electronic), number and type of information stored. Mr. Hákon Stefánsson, Chief Executive Officer, CreditInfo Iceland Mr. Paul Randall Director of Business Development, CreditInfo Residential Café, Level 3 4 P a g e

5 14: Session 7: After the Roll-Out of Credit Reporting Systems The session will focus on understanding how to harness the power of the credit reporting system? Key Issues include: What happens next after you have gone "live"? What is the bureau's role and difference between public and private? What are the practical steps of engaging customers, increasing capacity, developing new services? How to deal with the consumers, authorities, and consumer protection agencies? How to ramp up usage and participation? How to build a positive image of the bureau? How to raise awareness among the subjects of information? Mr. Tony Lythgoe Head of Financial Infrastructure, Access to Finance Mr. William Lim Executive Director Credit Bureau Singapore 15:45-16:30 Session 8: Case studies from Asia (Part 1) The session will focus on the features of the Malaysian Central Credit Reference Information System (CCRIS), and its pivotal role as public credit registry. Dr. Hamim Syahrum Ahmad Mokhtar Deputy Director, Financial Surveillance Department Bank Negara Malaysia Mr. Rosnizam Saari Analyst, Statistics Department Bank Negara Malaysia 16:30-17:15 Session 8: Case studies from Asia (Part2) Ms. Cuiling Zhou Manager, Consumer Credit Reporting Department, Credit Reference Center, The People s Bank of China 17:15-17:30 Wrap-Up For The Day / Q&A Mr. Bassim Sharafeldin Associate Operations Officer 5 P a g e

6 DAY 3 CREDIT REPORTING WEDNESDAY 7 NOVEMBER 2012 CHAIRED BY: MS. ZARINA ODINAEVA 09:00-11:00 Session 9: Microfinance Institutions/ Rural Credit Reporting 11:00 11:30 Tea break The session will focus on how unique attributes of microfinance institutions with special lenders, products, clients, needs, services and processes can be served by a credit reporting system. The discussion will also address the challenges of integration in terms of the lower financial and technical capacity, and why it is a win-win situation for all lenders (MFIs, supervised entities, non-supervised) particularly in terms of impacting access to credit and reduction in over-indebtedness. Mr. Mauricio Zambrana, Managing Partner Microfinance Credit Bureau Consultants Mr. Collin Raymond Credit Bureau and Risk Management Advisor 11:30-13:30 Session 10: Non Traditional Data 13:30 14:30 Lunch The session will focus on the power of mobile telephones/water/gas/electricity data to build credit histories for the underserved and the informal. Learn why traditional credit data is only the tip of the iceberg in credit reporting services, and how alternative data can help traditional and non-traditional lenders to make more reliable credit decisions and increase acceptance of potential good customers. Dr. Robin Varghese Senior Fellow and Director of International Operations Policy and Economic Research Council (PERC) Mr. Alban Pruthi Operations Analyst, Global Credit Reporting Program Residential Café, Level 3 6 P a g e

7 14:45 16:45 Session11: Credit Reporting and Financial Literacy for Consumer The session will focus on how Private Credit Bureaus and Public Credit Registries can and MUST play a major role in educating the public/clients about credit reporting importance and benefits, as well as on how consumers ought to take social responsibility and may be penalized by a non-performing repayment behavior. The session will also discuss how a financial literacy campaign should be organized in terms of the contents, actions that are effective and the roles of the private sector and of the regulators in implementing an effective communications strategy. Ms. Luz Maria Salamina General Manager Panamanian Credit Association (APC) Ms. Kymbat Ybyshova Communications Officer for Central Asia 16:45 17:00 Wrap-Up For The Day / Q&A Ms. Zarina Odinaeva Operation Officer, Financial Infrastructure 7 P a g e

8 DAY 4 CREDIT REPORTING THURSDAY 8 NOVEMBER 2012 CHAIRED BY: MR. OSCAR MADEDDU 09:00 10:45 Session 12: Credit Reporting and Scoring for Micro and SME The session will focus on the value of good scoring systems to improve the identification of good clients for MSME. Accepting bad customers is generally considered the only mistake that a lender can make. There something worse: rejecting good potential clients because of lack of information or collateral. This is the unfortunate fate of many MSME which are among the most opaque, vague and indefinable client segments. MSME are the perfect profile for credit bureaus and scoring, which can offer an unimaginable support to better identify the risk level of these small-ticket-loans applicants, among whom false positives and false negatives are the rule. Mr. Vincenzo Resta Senior Business Consultant, Credit Bureau Division CRIF Mr. Orlando Rossi Manager CRIF 10:45-11:15 Tea Break 11: Session 13: How to Improve Credit Reporting Efficiency? Value Added Services 12:45-13:30 Lunch The session will focus on how credit reports can increase the value added services of a skilled and effective credit bureau provider. The range is limitless, starting from the very effective bureau score, and continuing with tracing, alerts, antifraud services, portfolio analysis, outsourced loan origination systems and collection strategies. The session will discuss which, how, for what and whom such value added services are recommended. Ms. Lynn Wang Director, Analytics and decision Services Asia Pacific TransUnion Residential Café, Level 3 8 P a g e

9 13:45-15:30 Session 14: Collection Strategies The session will focus on improving collection strategies. This session is especially for those who think that collections actions should be based on arrears number or time elapsed from last payments and not on the real risk detected by the scoring. Collection scoring applied to collection strategies can make miracles, to maintain a sound portfolio quality without damaging the relations with the lazy payers, your real good customers. Ms. Galina Ho Managing Director, Credit Services Experian 15:30-17:30 Movie Show: The Inside Job. From Academy Award nominated filmmaker, Charles Ferguson (No End In Sight), comes INSIDE JOB, the first film to expose the shocking truth behind the economic crisis of The global financial meltdown, at a cost of over $20 trillion, resulted in millions of people losing their homes and jobs. Through extensive research and interviews with major financial insiders, politicians and journalists, INSIDE JOB traces the rise of a rogue industry and unveils the corrosive relationships which have corrupted politics, regulation and academia. 9 P a g e

10 DAY 5 CREDIT REPORTING FRIDAY 9 NOVEMBER 2012 CHAIRED BY: MS. JENNIFER BARSKY 08:30-10:15 Session 15: Collateral Registries: How to Increase Access to Credit and Lender s Confidence, While Consolidating Clear Creditors Rights The session will focus on collateral as one of the main obstacles to formalize the informal and make them eligible for credit. Equipment, harvest, livestock, receivable, and virtually every movable asset can be offered by small entrepreneurs to guarantee a loan if the asset can be registered and creditor s rights are strong, easy and quick to enforce. Efficient financial infrastructure, includes both credit reporting and collateral regimes, the latter having a strong beneficial impact in increasing access to credit in particular for SMEs. 10:15-10:45 Tea Break Mr. Jan Roberto Boker Regans General Director, National Commercial Regulation Mexico Ministry of Economy Mr. Alejandro Alvarez De La Campa Global Product Leader Secured Transactions and Collateral Registries 10: Session 16: Utilization of PCB/ PCR Data for Supervisory Purposes 12:15-13:30 Lunch The session will focus on how banking regulators can leverage on credit bureau data to support their institutional responsibilities to monitor systemic credit risk. This session run by the Central Bank of Lebanon will show how the data collected from lenders is very powerful to ascertain and control loan concentration, NPL (by sector, beneficiary, region, account), or group lending, or how the registry can be used to ascertain borrowers global risk with practical examples, and other utilizations. Mr. Najib Choucair Director, Banking Department Central Bank of Lebanon Residential Café, Level 3 10 P a g e

Credit Reporting and Scoring for MSMEs. Vincenzo Resta Orlando Antonio Rossi CRIF Kuala Lumpur November, Session n. 12

Credit Reporting and Scoring for MSMEs Vincenzo Resta Orlando Antonio Rossi CRIF Kuala Lumpur - 5-9 November, 2012 -Session n. 12 Credit Reporting and Scoring for MSMEs Serious Game followed by presentation