A high quality credit portfolio can only be managed by well trained credit officers with superior skills to analyze credit risk. This is essential for ensuring that all the prudent norms of asset quality are internalized and enforced. This includes collections as well. Debtors are now more informed and sophisticated than ever before. Debt collectors have to be well trained and prepared to outsmart the debtor. Collection is a battle, won by the best negotiator. Banar Collections designs and conducts training programs for all officers engaged in credit and debt management. Banar’s collaboration with world class credit consultants makes this function much more fruitful to our clients.