المخرجات
By the end of this program, participants will be able to:
1. Explain the key SCF techniques (Payables Finance, Receivables Purchase, Dynamic Discounting, and P-Cards) and when to apply each.
2. Calculate working-capital metrics (C2C, DSO, DPO, DIH) and measure the financial benefits for buyers and suppliers.
3. Design and price SCF programs that balance funding costs, utilization, and profitability for banks.
4. Identify and mitigate SCF-related risks (credit, dilution, operational, AML/KYC) within regulatory and compliance frameworks.
5. Understand IFRS 7 / IAS 7 supplier-finance disclosure requirements and how to report SCF programs transparently.
6. Recognize how Basel III capital treatment and fintech platforms improve efficiency, scalability, and risk visibility.
7. Apply SCF knowledge to Jordan-based case studies across sectors (utilities, FMCG, healthcare) and present a practical SCF program proposal.
الفئة المستهدفة
• Corporate and SME Department Heads.
• Corporate & SME Relationship Managers.
• Treasury & Cash Management Officers.
• Transaction Banking and Trade Finance Managers.
• Product Development and Digital Transformation Teams
المحتويات
SCF Foundations & Working-Capital Mechanics
1. Definition and ecosystem of Supply Chain Finance (SCF).
2. Role of SCF in optimizing liquidity for buyers and suppliers.
3. Core techniques:
o Payables Finance (Reverse Factoring)
o Receivables Purchase (Factoring)
o Dynamic Discounting
o P-Cards
4. Jordan’s Economic Modernization Vision 2030 and JoPACC role in digital trade finance.
5. Working-capital metrics and formulas (DSO, DPO, DIH, C2C).
6. Case study: Utility Anchor – extending DPO by 20 days and supplier impact.
Products, Pricing & Program Design
1. SCF product families – key features and differences.
2. Pricing model structure: Base Rate + Credit Spread + Servicing Fee.
3. Jordan example: 8% base rate, 2% supplier discount.
4. Supplier segmentation (Tier 1, 2, 3).
5. Program governance – treasury, procurement, legal, risk, operations.
6. Onboarding process: buyer → supplier → KYC → pilot.
7. Case map: Utility, FMCG, Hospital (Islamic Reverse Factoring).
Risk, Legal & Accounting (IFRS 2023)
1. SCF Risk Framework:
o Credit, Dilution, Operational, Fraud, AML/KYC.
2. Legal Architecture:
o Receivables Purchase Agreement (RPA), assignment, consent, recourse vs non-recourse.
3. Accounting Treatment:
o Buyer disclosures under IFRS 7/IAS 7 (effective 2024).
o Supplier derecognition under IFRS 9.
o Bank accounting under Basel III – short-tenor, low RWA exposure.
4. Practical disclosure template and audit checklist.
5. Capital efficiency and financial statement impact examples.
Capstone Clinic & Certification
- Case simulations: using Credit plus fintech platform (practical session)
o Utility Anchor: Payables Finance.
o Islamic Reverse Factoring (Murabaha / Musawameh).