The telecommunications sector is a critical pillar of the global economy, characterized by high-volume transactions and a diverse customer base, from individual subscribers to large enterprises. However, managing financial risk in this environment is uniquely challenging due to a high churn rate, complex billing structures, and a rapid technology cycle. Traditional credit scoring models often fall short in this dynamic landscape, where the ability to accurately assess a customer's creditworthiness directly impacts profitability and operational stability. A sophisticated understanding of telecom-specific credit evaluation is therefore essential to prevent bad debt, optimize revenue, and ensure sustainable business growth.

This training program is meticulously designed to provide professionals with the specialized skills and knowledge to navigate the intricacies of credit evaluation in the telecommunications industry. You will learn to move beyond generic credit checks, leveraging alternative data sources and behavioral analytics to build a more accurate picture of a customer's risk profile. The curriculum covers everything from policy design and fraud detection to the use of emerging technologies like machine learning for predictive analysis. By the end of this course, you will be equipped to implement a robust credit evaluation framework that minimizes risk and maximizes commercial success.

Duration: 10 days

Target Audience:

• Credit Risk Managers and Analysts in the telecom sector
• Revenue Assurance and Fraud Prevention Specialists
• Financial and Business Analysts
• Billing and Customer Service Managers
• Senior Management and Operations Leaders
• Professionals from mobile network operators (MNOs) and internet service providers (ISPs)
• Fintech Professionals and Consultants specializing in telecommunications
• Anyone responsible for managing financial risk in a telecom company

Objectives:

• Understand the unique credit risk landscape in the telecom industry
• Master the principles of a comprehensive credit evaluation framework
• Learn to use traditional and alternative data for credit scoring
• Gain proficiency in building and validating custom credit models
• Understand and mitigate the risks of subscriber churn and bad debt
• Learn to identify and prevent subscription fraud
• Navigate the regulatory environment for consumer credit
• Develop skills in communicating complex risk metrics
• Prepare for the future of credit evaluation with new technologies
• Implement a continuous risk monitoring and reporting system

Course Modules:

Module 1: The Telecom Financial Ecosystem

• The revenue cycle in telecommunications
• The financial impact of subscriber churn and bad debt
• The importance of a proactive credit risk strategy
• The difference between B2C and B2B credit evaluation
• The role of a telecom-specific credit policy

Module 2: Traditional Credit Evaluation Techniques

• The basics of a generic credit score
• The use of credit bureau data
• The importance of a thorough application process
• The role of a manual underwriting process
• The limitations of traditional credit models in telecom

Module 3: Leveraging Alternative Data

• The importance of non-traditional data sources
• The use of a customer's payment history
• The role of behavioral data (e.g., usage patterns)
• The importance of social and demographic data
• The ethical considerations of using alternative data

Module 4: Building a Custom Credit Model

• The principles of a statistical model
• The use of regression analysis
• The importance of a clear and explainable model
• The role of a model validation process
• The challenges of data quality and integrity

Module 5: Subscriber and Bad Debt Analytics

• The importance of a churn prediction model
• The use of a loss-given-default (LGD) model
• The role of a recovery strategy
• The importance of a continuous monitoring of bad debt
• The challenges of managing a large portfolio of accounts

Module 6: Fraud Detection and Prevention

• Common types of fraud in telecommunications (e.g., subscription fraud, identity theft)
• The use of a fraud detection system
• The importance of a multi-layered approach
• The role of an automated fraud check
• The challenges of new and evolving fraud schemes

Module 7: The B2B Credit Evaluation Process

• The unique risks of business accounts
• The importance of a corporate credit report
• The use of financial statement analysis
• The role of a collateral and guarantee
• The challenges of managing a large enterprise portfolio

Module 8: The Role of a Credit Policy

• The importance of a clear and concise policy
• The use of an automated policy engine
• The role of a credit limit
• The importance of a transparent exception process
• The challenges of balancing risk and revenue

Module 9: The Regulatory Environment for Credit

• The importance of a consumer protection law
• The role of a data privacy regulation
• The importance of a clear and fair disclosure
• The challenges of a cross-border regulatory environment
• The use of regulatory technology (RegTech)

Module 10: The Use of Machine Learning

• The basics of machine learning for credit scoring
• The use of supervised and unsupervised learning
• The importance of feature engineering
• The challenges of model explainability
• The role of a continuous learning model

Module 11: Collections and Recoveries

• The importance of a well-defined collection strategy
• The use of an automated dunning system
• The role of a third-party collection agency
• The importance of a fair and respectful process
• The challenges of a difficult customer

Module 12: Credit Risk Reporting and Communication

• The importance of a clear and concise risk report
• The use of dashboards and visualizations
• The challenges of communicating with senior management
• The role of a key performance indicator (KPI)
• The importance of a continuous feedback loop

Module 13: Stress Testing and Scenario Analysis

• The importance of a stress test
• The use of hypothetical and historical scenarios
• The role of a reverse stress test
• The importance of a clear and actionable result
• The challenges of communicating stress test results to stakeholders

Module 14: Case Studies and Best Practices

• A deep dive into successful telecom credit evaluation frameworks
• The challenges of a real-world implementation
• The importance of a strong cross-functional team
• The role of leadership in adopting a risk-aware culture
• Lessons learned from the field

Module 15: Final Project and Discussion

• A hands-on project to build a credit evaluation framework
• The role of new technologies (e.g., blockchain)
• The future of credit evaluation in telecommunications
• The importance of a continuous learning mindset
• A final discussion on remaining challenges and opportunities

Training Approach

This course will be delivered by our skilled trainers who have vast knowledge and experience as expert professionals in the fields. The course is taught in English and through a mix of theory, practical activities, group discussion and case studies. Course manuals and additional training materials will be provided to the participants upon completion of the training.

Tailor-Made Course

This course can also be tailor-made to meet organization requirement. For further inquiries, please contact us on: Email: info@skillsforafrica.org, training@skillsforafrica.org  Tel: +254 702 249 449

Training Venue

The training will be held at our Skills for Africa Training Institute Training Centre. We also offer training for a group at requested location all over the world. The course fee covers the course tuition, training materials, two break refreshments, and buffet lunch.

Visa application, travel expenses, airport transfers, dinners, accommodation, insurance, and other personal expenses are catered by the participant

Certification

Participants will be issued with Skills for Africa Training Institute certificate upon completion of this course.

Airport Pickup and Accommodation

Airport pickup and accommodation is arranged upon request. For booking contact our Training Coordinator through Email: info@skillsforafrica.org, training@skillsforafrica.org  Tel: +254 702 249 449

Terms of Payment: Unless otherwise agreed between the two parties’ payment of the course fee should be done 10 working days before commencement of the training.