Finance, Treasury and Credit Risk

MFI Credit Scoring

Develop practical capabilities in scoring thin-file and no-history borrowers.

2 daysUS$200 per delegate
Overview

What the programme covers

Turn mobile money, airtime and other alternative data into a credit scorecard for thin-file and no-history borrowers. You engineer features without data leakage, test stability, and prepare documentation for regulators and investors.

Practical modelling with Python and AI-assisted development

Use AI tools, including Claude Code, to accelerate model development, testing and documentation.

Curriculum

What you will learn

01

MFI scoring foundations

Understand scoring for thin-file and no-history borrowers

  • MFI and fintech scoring context
  • Alternative data sources
  • Development lifecycle
02

Alternative data preparation

Structure mobile money, airtime and behavioural data

  • Data profiling and quality checks
  • Missing values and outliers
  • Variable preparation
03

Feature engineering and leakage prevention

Engineer features while preventing data leakage

  • Feature engineering
  • Leakage checks
  • AI-assisted modelling
04

Scorecard development

Build a scorecard for thin-file borrowers

  • Logistic regression
  • Low default portfolio techniques
  • AI-assisted modelling
05

Scorecard validation

Test whether the scorecard performs as expected

  • ROC, CAP, KS and Gini
  • Calibration
  • Testing and reconciliation
06

Reporting for regulators and investors

Document the scorecard for external review

  • Documentation standards
  • Testing and reconciliation
  • Regulatory and investor reporting
How you build it

The tools and the method

Claude Code, Codex and agentic AIBuild → Analyse → Model → Calibrate → Report
The principle

Use AI to speed up the build.

Use testing and reconciliation to prove the numbers.

Use MFI credit expertise to make the judgement.

Who it is for

Built for these roles

  • MFI and Fintech Credit Teams
  • Digital Lenders
  • Credit Scoring Analysts
What you leave with

You will have worked through a practical end-to-end AI-assisted MFI scorecard build, from mobile money and airtime data through feature engineering, calibration, validation and reporting for regulators and investors.

Programme details

The practical details

Duration2 days
DeliveryInstructor-led with live demonstrations and practical exercises
InvestmentUS$200 per delegate
Group bookings20% discount
PrerequisitesLaptop, working knowledge of credit risk and Excel
ToolsPython and AI-assisted development, including Claude Code
FacilitatorTafirei Mashamba, PhD
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Related programmes

Need this built for your institution instead? See Credit Risk Modelling.

Ready to register?

Book your seat, or ask about training your whole team. Group bookings receive a 20% discount.