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Curriculum Designed by Experts
Our Credit Risk Management for Consumer Lending Corporate Training equips professionals with practical tools to manage credit risk effectively. Covering risk assessment, portfolio management, credit policies, and regulatory compliance, the course helps participants understand consumer lending challenges. Through interactive sessions, case studies, and expert guidance, your team will gain actionable insights to minimize defaults, optimize lending strategies, and enhance overall financial performance in a corporate environment.
Credit Risk Management for Consumer Lending training equips banking, NBFC, and fintech professionals with the knowledge and tools to evaluate, measure, and manage risks associated with personal loans, credit cards, auto loans, and other consumer lending products. The program covers credit assessment, scoring models, borrower behavior analysis, regulatory compliance, fraud detection, portfolio monitoring, and risk mitigation strategies. It helps participants make accurate lending decisions, reduce defaults, and build healthier credit portfolios in an increasingly data-driven lending environment.
- Overview of consumer lending products
- Importance of credit risk in personal lending
- Key concepts: Probability of Default (PD), LGD, EAD
- Stakeholders in the lending ecosystem
- Customer onboarding and KYC
- Credit assessment workflow
- Underwriting processes
- Post-disbursement monitoring and repayment patterns
- Understanding borrower profiles
- Evaluating income, liabilities, and repayment capacity
- Interpreting credit bureau reports (CIBIL, Experian, etc.)
- Behavior scoring vs. application scoring
- Traditional credit scoring frameworks
- Decision trees, logistic regression, and statistical models
- Alternative data for digital lending
- Model validation and back-testing
- Types of fraud in personal loans and credit cards
- Early warning triggers
- Fraud scoring systems and red flag indicators
- Role of analytics and AI in fraud prevention
- Digital onboarding and e-KYC
- AI/ML-based risk assessment
- Automated decision engines
- Open banking and alternative data sources
- Delinquency tracking and categorization
- NPA management and write-off strategies
- Portfolio segmentation and cohort analysis
- Loss forecasting and provisioning
- Early-stage vs. late-stage collection techniques
- Customer communication strategies
- Restructuring, settlement & recovery optimization
- Legal frameworks for loan recovery
- RBI guidelines for consumer lending
- Risk governance frameworks
- Fair lending practices and consumer protection
- Basel norms and risk management standards
- Defining credit limits, pricing models & exposure norms
- Credit approval matrix and authority levels
- Risk appetite, tolerance & control measures
- Policy documentation and process mapping
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Credit Risk Management for Consumer Lending Corporate Training Certification
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