An NBFC will view training as to how it adds to the employees' immediate ability to generate revenue or prevent losses . Given below are some recommendations on how to maximise training budgets. 1) Credit structuring needs to be discusses in great detail as a NBFC would want to do deals which normally banks do not do, but would want to reduce risk to acceptable levels. 2) For the same reason credit monitoring would have to be discussed for that the NBFC is forewarned of the problems .This would include pre identifying potential NPAs when they are still standard assets (credit Hygiene ) and also strategies to exit accounts . (the tolerance of NBFCs for NPAs will be much lower than banks ) 3) Different business groups have different risk characteristics .The trainees need to understand these for about 15-20 businesses . More so as to how to identify Key success factors and red flags in an industry .So that industry specific assessment system can be developed.( Credit risk includes Business risk as well as balance sheet risk. Trainings generally focus on latter) 4) NBFCs generally would want to lend to mid and small corporates ,where close customer interaction and market feedback will be as important as financial analysis. Skills in the former two and combining all three to develop a potent method if risk management should be the focus. 5) provisioning : Every NBFC would have aggressive norms of its own ,which needs to be understood by the trainer. 6) NBFCs would want to do what banks cannot do .So what are the restrictions on banks while lending need to be explained to them -together with what NBFCs are not allowed to do.