Objective

Large scale disruption due to the Covid-driven lockdown, retail lending revenue stream has come under tremendous pressure. Banks and finance companies are moving towards more lending business in the retail segment on the digital platform. The lending strategy will be fine-tuned for specific segments, keeping in mind risks and policies. Banks are redefining their business models and collection strategies. The overall objective of this program is to provide a comprehensive knowledge for understanding the nuances of retail credit and develop skills for enhancing quality of retail loan appraisal, as well as monitoring and recovery for effective business growth during current times and for the future.

Participant Outcome

• Analyse and monitor the overall business environment and take overall portfolio view
• Identify lending opportunities
• Be able to use appropriate techniques for analysis of financial and non-financial risks
• Assessment of working capital including fund based and non-fund based credit
• Manage relationship with corporate customers in mutual interest

Milestones

• Changing Business Environment in the Retail Lending: Risks and Opportunities
• Credit Appraisal of Retail Loans: Concepts, Processes and Cases
• Management of credit risk and Operational risk in retail lending
• Leveraging technology and digitization of retail business