Retail Credit Risk & Credit Scoring

At the end of this course, participants will be able to know:

 

  • Regarding risk, banking risks, retail banking risks, and the credit cycle
  • How scorecards are implemented and how to establish the cut-off are discussed during the scorecard construction process.
  • the management of scorecards after use
  • Fraud's effects on retail lending
  • pertaining to the rules and laws that concern lending to consumers
  • How to build your retail credit risk management team and select its members

 

  • Analysts and policymakers who are new to credit and aren't necessarily daily involved in rating.
  • Credit managers with experience who need a strategic perspective of lending and credit risk management methods.
  • Regulators and auditors.

 

  • Risk definition
  • Examining dangers
  • Investigating banking risk, and then lending to consumers.
  • The discussion of various hazards will include examples from both banking and non-banking firms.
  • The Credit Cycle and Principles of Credit Risk Management

 

  • Data and the several sorts of data used to determine creditworthiness
  • Data sources

 

  • confirming that the scorecard remains appropriate for the intended audience
  • Determining whether the scorecard is still functional
  • Overrides and how they are handled
  • Account Acquisition
  • Account Management

 

  • Regulation
  • Bad Debt Provisions
  • Management Information

  • Functions and roles
  • Retention and recruitment

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