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Credit Assessment in retail

In this eLearning module on Credit Assessment in retail, you will learn about the fundamentals of retail credit assessment and various types of retail loans such as mortgage loans, vehicle loans, equipment loans, other secured and unsecured loan products.

 

Coverage and structure for eLearning module

 

Topic

Sub-topic

Introduction to Retail Loans
  • What are Retail Loans
  • Retail Loan Market Share
  • Classification of Retail Loans

Fundamentals of Retail Credit Assessment
  • Types of borrowers
  • Overview of the Credit Assessment Process
  • Common Risk Factors and Mitigation

Mortgage Loans
  • Home Loans: Need and Customer Profile Home Loans: Loan Amount
  • Home Loans: Loan Period
  • Home Loans: Risks and Mitigations
  • Home Loans: Case Study
  • Home OD
  • Loan Against Property
  • Loan Against Property: Case Study
  • Construction Finance

Vehicle Loans
  • Two-Wheeler/Car Loan
  • Car Loan: Case Study
  • Commercial Vehicle Loan

Other Secured Loan Products
  • Equipment Loans
  • Consumer Durable Loan
  • Loan Against Securities and Gold/Jewellery

Unsecured Loan Products
  • Credit Cards
  • Personal Loan
  • Education Loan

Retail Risk Management and Collections
  • What is Concentration Risk?
  • Other Perspectives of Concentration Risk
  • Ideal Portfolio Mix
  • What is Sourcing Risk?
  • Mitigation of Sourcing Risk
  • Loan Lifeline
  • Risk Factors in the Loan Lifeline
  • Collections Tele-Calling
  • Field Collections
  • Tracing Skipped Payments
  • Fraud Risk Mitigation Tools
  • Other Risks

 

 

Module Fees: Rs. 2500/-                                  Access period: 3 months                                 Learning time: 3 hours

 

 

Steps to purchase

 

  • Go to CRISIL Learning platform https://training.crisil.com/
  • On https://training.crisil.com/ (CRISIL Learning platform) – sign up to create your unique login ID and password
  • Once your account is set up, search for "Credit Assessment in retail" from the search bar
  • Select the e-learning module - Credit Assessment in retail, and click on buy now; it will get added to your cart
  • Click on 'Cart' and purchase the module(s) with your debit or credit card
Detailed steps
Course demo

Features of eLearning modules:

 

 

Real life case studies

 

Real life case studies built leveraging our expertise in research, ratings & risk solutions

 

Expert Speak

 

Insights incorporated in eLearning, based on 15+ years of classroom training experience

 

Glossary & Resources

 

End to end structure comprising basic definitions to advanced readings

 

Visuals for workflows

 

Use of visuals to show a complex process or workflow

 

Interactive examples

 

Interspersed with practice exercises and interactive examples to help apply concepts

 

Knowledge checks

 

Knowledge checks at the end of each topic to ensure absorption of concepts

 

Animations

 

Animations & Characters to make complex concepts easy to learn

 

Gamification

 

Final assessment questions & gamification at the end of the module to ensure learning objectives are met