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Managing NPLs takes more than a phone call or a letter. It demands strategy, analysis, timing, and collaboration. In today’s environment, lenders must sustain high repayment rates while navigating economic uncertainty, borrower stress, and complex portfolios—standard recovery tactics are no longer enough.
This Non-Performing Loans (NPL) Management practical programme equips you to tackle NPLs with structure and confidence. You’ll learn to spot early warning indicators, diagnose root causes of default, and tailor recovery strategies by borrower type and risk profile. Whether you operate in retail banking, SME lending, microfinance, or development finance, you’ll leave with clear processes, working templates, and a sharper recovery mindset.
Learning is hands-on and scenario-based, built around real cases, role-plays, and live exercises. You’ll practise leading recovery conversations, restructuring troubled loans, and tracking portfolio performance with precision.
By the end of the Non-Performing Loans (NPL) Management Training, you will be able to:
Identify early warning signs before loans go bad.
Diagnose the root causes of non-payment.
Segment NPLs by risk level and recovery potential.
Design realistic, borrower-specific recovery plans.
Apply legal and non-legal enforcement options appropriately.
Restructure loans based on viability and cash-flow evidence.
Strengthen collaboration between credit and recovery teams.
Track and report NPL metrics clearly and consistently.
Credit Officers
Collections & Recoveries Teams
Branch Managers
Risk Analysts
NPL/Workout Officers (Banks, MFIs, DFIs)
Internal Auditors
Central Bank / Regulatory Staff
Legal Counsel
Compliance Officers
Consultants (Credit & NPL)
Loan Monitoring, Restructuring & Collections Staff
Our diverse instructional approaches ensure effective learning:
– Lectures & Presentations: Engage with expert-driven, stimulating content.
– Course Material: Access well-crafted supporting resources.
– Group Work: Collaborate on discussions and case studies for practical insights.
– Workshops & Role-Play: Participate in immersive, scenario-based activities.
– Practical Application: Focus on applying theoretical knowledge in real situations.
– Post-Training Support: Receive extensive support after training for skill implementation.
Module 1: Understanding Non-Performing Loans
What qualifies as an NPL: definitions and thresholds
Types of delinquency and severity levels
Institutional policies vs regulatory requirements
Why NPLs matter: financial and reputational impacts
Global trends and regional case comparisons
Module 2: Early Warning Indicators & Risk Monitoring
Financial signs: arrears, income drops, bounced debits
Behavioural red flags: silence, disputes, stalling
Building internal early-warning systems
Tracking sector trends to forecast stress
Borrower-engagement scripts for early intervention
Module 3: Diagnosing Root Causes of Default
Business vs personal borrowers: distinct drivers
External vs internal causes: market shifts, management gaps
Common sector patterns (agriculture, retail, construction)
Site visits and borrower interviews to validate findings
Mapping root causes across your portfolio
Module 4: Segmentation & Prioritisation of NPLs
Designing a risk-based NPL classification system
Segmenting by history, exposure, collateral status
Prioritising by recovery potential and time sensitivity
Matching cases to the right recovery staff
Organising workloads for maximum efficiency
Module 5: Designing Recovery Strategies
Strategy vs tactics: choosing the right path per case
Negotiating payment plans and partial settlements
When to offer grace periods or restructure
Managing difficult conversations professionally
Setting internal targets and KPIs for recovery
Module 6: Loan Restructuring & Workout Techniques
Eligibility criteria and decision gates
Assessing viability with cash-flow projections
Adjusting terms: rate, tenor, security, schedules
Documentation and post-restructure monitoring
Avoiding evergreening and restructuring abuse
Module 7: Legal & Enforcement Options
When legal action makes sense—and when it doesn’t
Overview of legal recovery pathways in-context
Costs, timelines, and success probabilities
Managing third-party recovery agents
Integrating legal steps into a broader recovery plan
Module 8: Credit–Recovery Team Coordination
Clear roles between credit officers and recovery staff
Joint portfolio reviews and action planning
Trust-building and communication routines
Handover tracking and accountability
Incentives that reward collective recovery success
Module 9: Portfolio-Level Monitoring & Reporting
Building dashboards for NPL trends and risks
Ageing analysis and risk-migration tracking
Board and regulatory reporting standards
Segment-level insights to inform credit policy
Embedding NPL management into credit review cycles
Module 10: Building a Preventive Credit Culture
What NPLs reveal about origination and underwriting
Linking lending practices to long-term performance
Training frontline staff to spot early risk
Closing the loop between field officers and analysts
Shared ownership of loan quality across functions
Practical Tools You’ll Take Away
Early-warning indicator checklist
Root-cause analysis template
NPL segmentation & priority matrix
Borrower engagement & negotiation scripts
Restructuring decision tree and cash-flow worksheet
Recovery action plan and tracker
Portfolio dashboard starter pack (metrics & definitions)
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