CONSUMER LENDING MANAGEMENT & CREDIT

SCORING
Problem to be addressed:
The consumer loan portfolio has been experiencing rapid expansion in
the last few years. Many banks and financing companies are very
interested in expanding their consumer loan portfolio due to the high
margin that can be obtained. Consumer loan can be a highly profitable
business however it posses certain risks and critical areas that need to
be managed properly.
Objectives:
At the end of the program, the participants are expected to:
Understand the complete flow of credit cycle
Understand the 5 Cs of credit
Understand the benefit of credit scoring vs judgmental lending
Understand the proper use of credit scoring
Understand the stages in development of credit scoring
Understand the proper monitoring method of credit scoring
Understand the critical success factors on consumer lending
Understand the benefit and use of credit test (champion-challenger)
Understand the role of credit policy in consumer lending
Understand mechanism in establishing provision using net flow rate
method
Understand the significance of MIS in consumer lending
Subject Covered:
Overview of consumer lending
Complete flow of credit cycle
5 Cs of credit
Credit scoring VS judgmental lending
Proper utilization and monitoring of credit scoring
Stages in development of credit scoring
Critical success factors in consumer lending
Credit Test (champion-challenger)
Roles of Credit Policy
Fraud Management in consumer lending

Net Flow rate method in establishment of loan provision

MIS in consumer lending

Participants:

Consumer risk management officer

Credit analyst/credit manager for consumer loan

Compliance officer

Branch Manager

Retail banking officer / Account Officer

Business banking officer / Relation Manager

Internal audit officer

Credit analyst/credit manager from Finance Company

Central bank officials

Credit Portfolio Manager

Structure Finance Manager

Price : IDR 3.500.000

Manajemen Kredit Konsumen & Credit Scoring

Menjawab Masalah Apa?
Portofolio kredit konsumen telah mengalami ekspansi cepat dalam
beberapa tahun terakhir. Banyak bank dan perusahaan pembiayaan
sangat tertarik dalam memperluas portofolio kredit konsumen mereka
karena tingginya marjin yang dapat diperoleh.
Kredit pinjaman dapat menjadi bisnis yang sangat menguntungkan
namun memiliki risiko tertentu dan beberapa hal kritis yang harus
dikelola dengan baik
Manfaat Apa Yang Anda Peroleh?
Pada akhir program, peserta diharapkan mampu:
Memahami secara lengkap siklus proses kredit
Memahami 5C dalam kredit
Memahami manfaat menggunakan credit scoring dibandingkan
penilaian subjektif
Memahami penggunaan credit scoring secara tepat
Memahami tahapan-tahapan dalam pembuatan credit scoring
Memahami metode pengawasan credit scoring yang tepat.
Memahami faktor-faktor kunci kesuksesan dalam kredit konsumen
Memahami manfaat dan penggunaan test kredit (championchallenger)
Memahami peran kebijakan pinjaman dalam kredit konsumen.
Memahami mekanisme dalam menetapkan provisi menggunakan
metode net flow rate
Memahami signifikansi manajemen sistem informasi dalam kredit
konsumen

Apa Saja Yang Dibahas?

Pengantar kredit konsumen
Siklus kredit
5C dalam kredit
Credit scoring VS pinjaman subjektif

Penggunaan yang tepat dan pengawasan dalam credit scoring

Tahapan-tahapan dalam pengembangan credit scoring
Faktor-faktor kunci sukses dalam kredit konsumen
Test kredit (champion-challenger)
Peran-peran dalam kebijakan kredit
Manajemen fraud dalam kredit konsumen
Penetapan provisi kredit dengan metode Net Flow rate
Manajemen sistem informasi dalam kredit konsumen

Siapa Yang Perlu Ikut ?

Consumer risk management officer
Credit analyst/credit manager for consumer loan
Compliance officer
Branch Manager
Retail banking officer / Account Officer
Business banking officer / Relation Manager
Internal audit officer
Credit analyst/credit manager from Finance Company
Central bank officials
Credit Portfolio Manager
Structure Finance Manager