Consumer Lending Risk Management Essentials
About This Course
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Essential topics of consumer lending risk management.
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Help serious learners quickly build a solid foundation.
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5 hours of video content and supplemental learning materials.
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Based on Amazon 4.8 star book: Unsecured Lending Risk Management.
Testimonials
"Highly recommend this course for anyone who is trying to step into the domain of credit risk career or trying to look at career advancement.
The way you have laid out every content piece by piece making it bite-size, easy-to-understand English is remarkable, yet keeping the standard of the course really high.
It was definitely a pleasure to take this course!"
Risk Analyst, A Fintech Company
"It was quite a learning experience! A lot of things were added to my little knowledge kit after completing the course. Thank you!"
Project Manager, a Top 4 North American Bank
"The course is very informative and practical. Thank you very much!"
A University Student
Who This Course Is For
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Those who want to develop a career in consumer lending risk management.
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Professionals in non-risk functions but interacting with the risk team.
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Seasoned professionals who need a quick refresher of important concepts.
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Curious consumers who want to have an under-the-hood view of credit decisions.
Endorsement of the Content
The content has been well received by professionals from various banks, fintech, service providers, colleges, and industry associations:
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American Express
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Blue Stem
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BMO
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CIBC
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Citi Bank
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CLA (Canadian Lenders Association)
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Cross River
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Equifax
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Ernst & Young
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Experian
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FICO
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Flexiloan
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Happy Money
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Luxury Card
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MUFG Union Bank
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Neo Financial
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RBC
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SAS
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Scotiabank
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State Street
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TD Bank
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TransUnion
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WeCloudData
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Wells Fargo
Course Contents
This course covers essential concepts through the following sections:
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Introduction
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Consumer lending profit model
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Importance of risk management
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Portfolio risk appetite
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Key components of portfolio risk management
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Credit life cycle
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Consumer Marketing
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Credit marketing overview
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Credit marketing channels
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Credit marketing campaigns
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Campaign process flow
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Leads management system
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Account Origination
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Origination process
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Credit bureau process
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Credit policy
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Decision strategy
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Limit strategy
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Ability to pay
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Adverse action letter
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Origination Fraud Control
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Fraud alert
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Application fraud score
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Digital fraud mitigation tool
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Out-of-wallet questions
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Internal fraud database
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Fraud strategy management
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Origination Performance Management
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Origination volume and credit quality report
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Approval rate report
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Branch report
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Origination vintage
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Delinquency and charge-off vintage curves
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Balance pay down curve
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Collections and Recovery
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Collections operations
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Collections strategy
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Performance management
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Outsourcing and sales
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Non-delinquency collections
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Loss Forecast
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Overview and responsibilities
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Roll rate based forecast
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Portfolio loss rate based forecast
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Vintage based forecast
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Segment based forecast
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Key considerations
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Scorecard Management
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Risk scores
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Scorecard development considerations
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Scorecard development life cycle
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Scorecard monitoring reports
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Scorecard monitoring metrics
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Strategy Management
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Strategy management life cycle
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Champion/challenger design
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Structure, documentation, and frequency
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Principle of Consistency
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Portfolio Risk Management
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Portfolio risk reports
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Portfolio risk management documentation
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Risk attribution analysis
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Strategic planning
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