Credit Risk Management for Consumer Lending Training

Credit Risk Management for Consumer Lending is a strategic discipline that enables financial institutions to evaluate, control, and mitigate risks associated with retail loan portfolios. This comprehensive training program by Multisoft Virtual Academy equips learners with the analytical frameworks, regulatory insights, and decision-making skills needed to manage credit exposure effectively in today’s dynamic lending environment. The course begins with foundational concepts of consumer lending, covering borrower profiling, creditworthiness assessment, and loan lifecycle management. Participants gain hands-on knowledge of credit scoring models, risk segmentation, probability of default (PD), loss-given default (LGD), exposure at default (EAD), and portfolio diversification strategies. Practical case studies help learners understand real-world risk scenarios, enabling them to assess early warning indicators, predict borrower behavior, and implement proactive risk-mitigation actions. Additionally, the training offers a deep dive into regulatory compliance, including Basel norms, fair lending guidelines, underwriting standards, and internal risk governance practices. Learners explore fraud detection methods, collection strategies, and the role of technology—such as AI, machine learning, and automation—in improving credit decision accuracy and reducing operational risks.

By the end of the program, professionals gain the confidence to design robust credit policies, optimize lending operations, enhance credit portfolio quality, and ensure sustainable growth in consumer lending businesses. This course is ideal for banking, finance, fintech, and credit operations professionals aiming to upgrade their risk management capabilities.