A Practical Introduction to
Credit Risk Management

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Module 1: What is Credit Risk Management?

 

 

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• The Credit Cycle

• Definitions of credit quality

• The Credit Wave

 

 

 

 

Module 2: How Credit Scoring Works

 

 

 

 

• Development process overview

• Review a scorecard

• Definitions and samples

 

 

 

 

Module 3: Cut-offs and Strategies

 

 

 

 

• Ways of setting a cut-off

• Break-even and optimisation

• Using scores for strategies

 

 

 

 

Module 4: Intro to Behavioural Scoring

 

 

 

 

 

• Differences between application and behavioural 

• Scorecard examples

• Champion / Challenger

 

 

 

Module 5: Intro to Collections Strategies

 

• The importance and role of collections

• Basic strategies

• Evaluating success - roll rates

 

 

 

 

 

Day Two
Start time: 9 am Finish: 4.30 pm

 

 

 

 

 

Module 6: Policy and Metrics

 

 

 

 

• Credit policies

• Governance

• Quality metrics

 

 

 

 

Module 7: The Impact of Marketing

 

 

 

 

 

• The conflict with Risk

• Adverse Selection

• The Marketing Effect!

 

 

 

 

Module 8: Intro to Underwriting

 

 

 

 

 

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• Elements of underwriting

• Everyone's an underwriter!

• Underwriting and scoring

 

 

 

 

Module 9: Intro to Fraud

 

 

 

 

 

• Spot the fraud!

• Application fraud and systems

• Transaction fraud and systems

 

 

 

 

 

Module 10: Intro to Portfolio Management

 

 

 

 

 

• Dynamic Delinquency  

• Programme control

• What we learned