Managing Credit Risk, Recovery, and Portfolio Health in Pakistani Financial Contexts

Intermediate Credit Management

A Two-Day Workshop for Credit Managers, Relationship Managers, and SME Lending Officers
“Credit management is not about avoiding risk. It is about understanding it precisely enough to price it correctly and manage it confidently.”

Credit management in Pakistan’s banking and financial services sector operates in a specific environment:

an SBP regulatory framework that sets the rules, a market where relationship-based lending decisions sometimes override credit fundamentals,

an SME sector where financial documentation is often incomplete or informal, and a recovery environment where the gap between a classified loan and an actual recovery can span years. Credit managers working in this environment need more than a generic credit analysis textbook. They need practical judgment calibrated to Pakistani market conditions.
Intermediate Credit Management Training Pakistan is IKTAR’s program for credit professionals who have moved beyond basic credit fundamentals and are building the intermediate-level capability needed to manage more complex credit situations: assessing business viability for SME borrowers whose accounts are informal, structuring credit facilities that align repayment with actual cash flow patterns rather than assumed ones, identifying the early warning signals of a deteriorating credit before it reaches classification, and managing the recovery process with the combination of firmness and relationship sensitivity that the Pakistani market requires.
The word intermediate in the title is deliberate. This program assumes participants already understand basic credit concepts and are ready to apply them at a level of judgment and complexity that entry-level training does not reach.

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Who This Program Is For

Intermediate Credit Management is designed for:

• Credit managers and senior credit officers in commercial banks, Islamic banks, and development finance institutions who manage a credit portfolio rather than only processing individual applications
• Relationship managers and branch managers with credit approval authority who need to strengthen their credit risk judgment alongside their client relationship skills
• SME lending officers dealing with borrowers whose financial information is informal or incomplete and who need practical methods for assessing creditworthiness under those conditions
• Microfinance institution officers who manage higher-volume, smaller-ticket credit portfolios and need intermediate portfolio management skills
• Corporate treasury and leasing professionals responsible for managing credit exposure in non-banking financial contexts

If your credit professionals can process standard applications competently but struggle with the judgment calls that complex, informal, or deteriorating credit situations require, this program builds exactly that layer of capability.

What Participants Learn

By the end of the workshop, participants will be able to:

• Assess the credit viability of SME borrowers whose financial documentation is incomplete or informally maintained, using alternative analysis methods appropriate to Pakistani market conditions
• Structure credit facilities whose repayment schedules reflect the borrower’s actual cash flow cycle rather than a theoretical one
• Identify early warning indicators of credit deterioration before a loan reaches classification, using both financial and behavioral signals
• Manage the watch list and early intervention process to maximize recovery probability before a credit becomes classified
• Conduct a recovery conversation that maintains the relationship where recovery is possible while applying appropriate firmness where it is not
• Apply SBP prudential regulations accurately to credit classification, provisioning, and reporting requirements

Methodology

Program Structure and Methodology

Format: Two to two-day in-person workshop
Prerequisite: Basic understanding of credit analysis concepts; this is an intermediate program not suitable for participants with no prior credit background
Group Size: Optimal cohort of 12 to 20 credit professionals
Methodology: Case-based credit analysis exercises using realistic Pakistani SME and corporate borrower scenarios, early warning signal identification drills, and recovery situation role plays
Delivery Options: Public workshop with scheduled dates, or in-house program built around your institution’s specific credit portfolio profile and risk environment

All case studies used in this workshop are drawn from Pakistani financial market conditions: informal SME businesses, agricultural credit cycles, urban property-backed lending, and the specific regulatory environment set by SBP. International credit case studies from different market conditions are not used since the judgment required to manage credit risk in Pakistan is meaningfully different from that required elsewhere.

Why IKTAR

Credit management training that is not grounded in the specific regulatory, market, and cultural conditions of Pakistani financial services produces credit officers who understand theory but struggle with the practical judgment calls their roles require every day. IKTAR’s program is built entirely around Pakistani market conditions: SBP regulations, informal SME borrower profiles, and the recovery dynamics of the Pakistani credit market.
Following the workshop, IKTAR provides a free training review report identifying each participant’s strongest credit management skill and the specific area most likely to improve their portfolio quality and risk judgment when developed further.

Public Training Workshops

Open Public Training Workshops

Scheduled training sessions held at IKTAR’s facilities or partner venues in Lahore. Open to participants from any organization. Ideal for organizations sending one to five people, or for individuals investing in their own professional development

Scheduled dates published in advance | Meet and learn with professionals from other organizations | Cost-effective for small teams | Immediate availability without minimum group size | Certificate of completion issued

View Upcoming Public Workshops

In-House Customized Programs

Customized In-House Training Solutions

Training designed exclusively for your organization and delivered at your premises or a venue of your choice. IKTAR conducts a Training Needs Analysis first, then develops a program that reflects your organization’s specific context, challenges, and objectives.

Designed around your actual training gaps | Delivered at your location across Pakistan | Consistent messaging for your entire team | Flexible scheduling around your operations | Higher ROI for teams of 10 or more | Ongoing support and follow-up available

Request a Customized Program Proposal

Explore Our Management and Banking Training Programs

Intermediate Credit Management pairs well with other IKTAR programs for banking and financial sector professionals:

Banking and Finance Training

IKTAR’s broader training category for financial sector professionals

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Negotiation Skills

Negotiating with borrowers during restructuring and recovery processes

VIEW PROGRAM

Conflict & Complaint Management

Managing difficult customer situations in credit and recovery contexts

VIEW PROGRAM

Customer Service Management in Financial Sector

Maintaining customer relationships under credit pressure

VIEW PROGRAM

CLIENT RESULTS

What Organizations Say About IKTAR Training

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Shafqat is well experienced trainer familiar with Competency Based Education and Training CBET & Quality Assurance QA / Quality Control QC of Training

Moustafa WahbaTVET Consultant

I don’t hesitate in placing Shafqat Jilani among the best trainers in the country. He always explores modern approaches, creative skills, innovative ideas and relevant case studies. Any enterprise looking for training services in human development, strategic planning, development of selling & marketing skills, improvement in presentation skills, policy & strategy development, polishing decision-making skills, introduction of modern approaches etc. must opt IKTAR as a Trainer.

Zulfiqar Ahmad HBL

Mr. Shafqat is a thorough gentleman and a perfect professional who keeps his commitments and have all the potential to steer any organization to success. He is a Lead Trainer and Consultant and I for once trust him to deliver effective and mesmerizing trainings as well as innovative solutions. I would like to highly recommend him for training and consulting assignments.

Suhail Iqbal SysComp International (Pvt.) Ltd

KTAR is very good training institute, as we experienced recently. We sent our team on Leadership training course to IKTAR and found a tremendous change in behavior of our team. IKTAR has been useful in bringing a Paradigm shift in their approach to handle things and now the same employees are very helpful towards other colleagues. I believe, IKTAR training modules makes employees from Followers to Leaders, who not only delivery their own KPIs but also help others to grow to achieve joint goals of the company.

Abdul Wahid QureshiRenacon Pharma

Shafqat Jilani is a a detailed oriented person. Hope his organization can take a lot a benefit from him. Good Luck

Chaudhry Ahmad JawadPakistan Business Forum

I had the opportunity to work with Shafqat Jilani and found him to be a knowledgeable and dedicated business consultant. His practical advice, strategic thinking, and commitment to helping businesses grow make him a valuable professional. I appreciate his guidance and confidently recommend him to anyone seeking business transformation and growth expertise.

Dr. Shafa UllahPower Lion Seed

I know Shafqat from his university days, he had a candid and persuasive personality from the early days. He had bold presentations with innovative and unique ideas complemented by his ability to put this on the paper as well. Teaching and passing on his knowledge to others has always been his passion and he has been doing this very well in his different roles at the present and previous assignments.

M. Zafar IqbalLa Computa Vision LLC

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