Credbase

Credit Bureau & Risk Management Advisory

Credbase is a licensed Credit Bureau and risk advisory firm based in Botswana. We specialise in delivering customised credit reporting and risk management solutions tailored to the local market. By combining in-depth credit data, insight, and advisory expertise, we help organisations make informed lending decisions, manage portfolio risk, and promote responsible credit behaviour.

Our advisory services support organisations across the entire business cycle—from developing credit policies and procedures to managing employee-related risk—helping build stronger, more resilient operations.

Services

Credbase offers risk advisory services ranging from policy development, regulatory compliance assessments, file remediation and employee risk services.

What DO WE OFFER?

As a licensed credit bureau under the Credit Information Act of Botswana, Credbase is authorised to collect, collate, and distribute credit information from all types of credit providers across the country—including banks, microlenders, SACCOs, utilities, telcos, and retailers. Our role is central to building a more transparent, inclusive, and responsible credit ecosystem.

We offer a comprehensive suite of services designed to support both credit providers and consumers through data-driven insights and responsible credit practices.

With the fast-paced business environment, dynamic consumer needs and constant Regulatory amendments, businesses need to continually review, update and even re-develop their Policies and Strategies.
Credbase offers new policy development services, review and update of existing policies as well as process reviews e.g. credit applications reviews.

Regulatory compliance is an important aspect of business management; it ensures organizations operate legally and ethically. Regulatory compliance protects organizations from reputational risk, and compliance risk including financial penalties and other risk factors that could arise from noncompliance. The repercussions of non-compliance can be fatal to any business.

Credbase with its affiliate partners provides various compliance solutions including Compliance readiness assessments for new regulations (Credit information sharing, AML and data Protection regulations) and Stress Testing existing Compliance programs and policies.

Many SMEs face cash flow challenges due to growing levels of bad debt, yet lack the resources to outsource to professional debt collectors. Credbase offers a practical debt collection consultancy designed to help businesses recover more using their existing teams. We start with a thorough analysis and segmentation of your debt book to identify recovery opportunities and prioritise actions. From there, we capacitate your loan officers or credit controllers through hands-on training in effective collection techniques, negotiation skills, and monitoring tools.

Our support includes developing a customised collections strategy aligned with your customer base, operational capacity, and business goals. The result is a more efficient, structured, and cost-effective approach to debt recovery—built from within.

Empowering Your Core Resource – Employees:

Employee Wellness is a necessary component of enterprise risk management. Credbase provides practical solutions for organizations looking for a good balance between wellness and risk.

Credit Health and Bad Debt Impact Talks: We offer Credit literacy impact workshops covering; assessing own creditworthiness, dealing with bad debt, understanding credit reports, debt counselling, where and how to raise complaints regarding financial issues, dealing with debt collectors, lawyers and Sherriffs, Botswana Credit laws and regulations among other topics.
Financial Stress Surveys: financial well-being is one of the most important factors affecting employee productivity in the workplace. With the high records of household debt in Botswana, companies are proactively looking for safe spaces to understand their employee’s financial issues. Our anonymous surveys offer employees a safe platform to share their financial challenges with their employers.
Bullying & Harassment Risk Assessment: workplace bullying has been shown to negatively affect productivity, employee retention as well as the profitability of organizations. Our bullying and harassment survey systematically identifies and aids in eliminating toxicity in the workplace.