This professional course focuses on the core principles of retail credit evaluation, including personal loans, credit cards, mortgages, and small business lending. The training course provides participants with the tools to assess individual creditworthiness, manage loan applications, and understand the retail credit cycle. Participants will gain practical knowledge in credit scoring, credit bureau interpretation, and risk-based pricing for consumer products.
Hands-on simulations of consumer lending workflows
Credit score and credit bureau report analysis
Real-world case studies on delinquency and customer profiling
Group lending decision scenarios
Understand the retail credit lifecycle and key lending products
Assess individual creditworthiness using both financial and behavioral data
Interpret credit bureau reports and scoring models
Apply policies for income verification, documentation, and risk ranking
Evaluate customer segmentation for credit decisioning
Identify early warning signs and triggers of delinquency
Comply with retail credit regulations and data privacy norms
Session 1: Introduction to Consumer Lending and Credit Types
Unsecured vs secured lending (personal loans, credit cards, auto loans, mortgages)
Credit cycle: onboarding, approval, disbursement, collections
Risk-return trade-offs in mass and high-risk segments
Session 2: Evaluating Customer Creditworthiness
Income assessment and debt-to-income ratios
Documentation checks (employment, utility bills, assets)
Case walkthrough: salaried vs self-employed borrower profile
Session 3: Credit Bureau Reports and Scoring Systems
Understanding credit scores (FICO, local bureau scores)
Interpreting bureau data: defaults, inquiries, utilization
Managing thin-file customers and new-to-credit (NTC) cases
Session 1: Decision Rules and Automation in Lending
Rule-based vs score-based decision engines
Risk-based pricing, limit setting, and tenure assessment
Pre-approved loans and trigger-based lending offers
Session 2: Delinquency Management and Early Warning Signs
Aging buckets and days past due (DPD) tracking
Behavioral signals and risk flags (payment delays, drop in balance)
Soft collections vs hard recovery strategies
Session 3: Governance, Compliance, and Fair Lending
Data privacy, customer consent, and ethical lending practices
Fair lending obligations and discrimination risks
Group simulation: consumer loan review and portfolio action plan
We are open to customizing this program to align with your specific learning objectives. If your team has particular goals or areas they wish to focus on, we would be happy to tailor the course outline to meet those needs and ensure the program supports the achievement of your desired outcomes.
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