2. MIS Training Module
• This training module is designed to impart practical and conceptual knowledge on
the process of creation and application of management information systems.
• The training module imparts such skills to participants so as to make them
appreciate a culture of scientific and analytical approach to product, process,
policy and portfolio decisioning.
• It equips the participants with the skills to generate the most important analytical
MIS on their own and make the MIS pack available for management reporting.
• Methods taught in this program, if implemented in the right earnest, would
guarantee an enhanced quality of Management Information in the organisation.
3. Topics covered
• Management Information System – Conceptual overview
• Key to good MIS – Sound data capture processes, data integrity and data
storage
• Differenty types of MIS used in retail finance businesses
• Sanctity of data capture, quality and integrity
• Demonstration of different types of analysis that can be done for retail
businesses
• Use of a case study to explain the significance of MIS
• Tools for MIS generation and generating different types of MIS
• Portfolio budgeting and forecasting with MIS
4. Key Benefits
For Portfolio Management
• Enables scientific decision making on products, policies, processes and portfolio.
• Policies, geographies, portfolio segments (Income group, borrower employment category, age groups,
ticket sizes) can be systematically segregated and analyzed to understand their contribution to the health
of the overall portfolio.
• Encourage good performing and profitable segments through more aggressive policies and withdraw or
tighten policies in loss making segments
• New Acquisition can be directed in a focussed manner towards acquiring increased loans from profitable
segments.
• Enables pricing of portfolio segments in proportion to the risk.
For Strategy
• Inherent portfolio strengths can be better highlighted / leveraged in portfolio negotiations / securitisation
deals
5. Some Portfolio MIS types
• Default ratio trends ‐ Coincidental and Lagged delinquencies : These two types of default
ratio trends would clearly bring out the true picture of current default position. This analysis
helps look at the default picture, net of the impact of the recent acquisitions. Helps to know the
real / underlying risk in the portfolio.
• Segmentation trends : This mirrors the concept of “peeling the onion”. This helps drill
down to that exact point of the portfolio that needs to be either repaired or encouraged. This
drilling down can be done to hunt for good performing profitable segments or those that show
poor performance and actions as appropriate can be taken.
• Vintage months on book : This tracks default trends of the bookings done in a particular
period (say a month or a quarter) and enables comparison of portfolios booked in different
vintages, on the same scale. This analysis would detect early trends in the recent portfolios.
Through this analysis the organisation can take corrective action where required early enough.
• Flow Rate analysis : An immensely useful analysis with multiple benefits. Organisations can
monitor the efficiency of collections / recovery operations or can break up the inventory in
default buckets into those caused by poor acquisition and those due to gaps in recovery
processes. This analysis would also be useful to project future delinquencies and loss rates in the
portfolio.
6. Typical Module offering
This training module is offered as a 2 day program
Day 1:
Morning Session : Conceptual Overview; Benefits of a good MIS; Essentials for a good MIS; Data
capture and quality checks; Processing and measuring information available; Overview of MIS
across loan life cycle;
Afternoon Session : Different types of Portfolio MIS; Demonstration of types of MIS and their
benefits; Case Study handed over for the next day.
Day 2 :
Morning Session ; How to build the database that can help generate good MIS; Case Study to
understand and appreciate the significance of MIS in portofolio decisioning
Afternoon Session: Case Study continued; Final questions and Answers
7. Module offering
• Ideal class size – 8 to 10
• Pattern – Highly interactive with practical exercises
• Requirements
• PCs required for participants preferably on both the days but definitely for the second
day (either independently for each or on a shared basis).
• Data for exercises : We could use dummy database or we could also use real data from
the organisation. Any NDA as required can be signed, if data from the organisation is used
for practice exercises.
• Study material – Supplied by Sine Management Consultants
