Mortgage & Housing Microfinance
Lend for homes at every income level.
The executive challenge
The problem this program solves
The mortgage agenda is stuck between two truths: the strategy deck says transform, and the income statement says the legacy book still pays the salaries. Every partnership signed without governance economics becomes a renegotiation you conduct from weakness. You will stress-test your own institution in the IPAT Data Lab™ and leave with a mortgage strategy that survives both a supervisor and a competitor.
Context
Why this matters now
Capability
What you will be able to do
- Diagnose where your institution creates — and destroys — value in mortgage across the balance sheet.
- Present a mortgage position to boards and supervisors with evidence they will accept.
- Read the economics of mortgage like an operator: unit costs, network effects and risk-adjusted return.
- Sequence a mortgage transformation agenda that a board will fund and a regulator will endorse.
The IPAT Course Standard
The five-day journey
Each day is a deliberate progression in managerial capability — from strategic context, to analytical frameworks, to applied practice, to executive judgement under pressure, to a capstone that produces something your organisation keeps.
IPAT Signature Case™
The Margin That Walked
The most profitable product at a development finance institution has quietly migrated to instant-payment rails the institution does not own; deposits follow the customer, not the branch. The board wants a response before the next pricing cycle — and the mortgage data is contested in every committee.
Your decision: Build competing rails, partner with the platform, or reprice the legacy book to defend margin — each path changes the institution you become.
IPAT Data Lab™
A a pan-African insurer cannot see where its book is quietly deteriorating.
Dataset: Synthetic loan-book panel for a pan-African insurer: 80,000 facilities across segments with vintage and behaviour data.
Your task: Segment the portfolio, find concentration and deterioration, and design the repricing and workout response.
A portfolio decision pack presented to the faculty credit committee.
Data → Analysis → Decision, not Data → Code → Certificate
Day 5 · The Capstone
What will you change when you return to work?
Produce a digital finance transformation strategy for your institution: where to play, what to own, which partnerships, and the regulatory posture required.
Methodology
Frameworks you will master
- • IPAT Decision Intelligence Framework™
- • IPAT Transformation Architecture™
- • Value-chain decomposition
- • Risk-adjusted performance measurement (RAROC)
- • Basel-aligned capital and liquidity concepts
Cohorts
Upcoming cohorts
New dates are being scheduled
Register with your preferred start date and our admissions team will match you to the next available cohort — or contact us to arrange an in-house delivery for your organisation.
Register your interestExplore further
Related programmes
Learners of Mortgage & Housing Microfinance frequently pair it with these offerings from the same divisions.
