CREDIT CONSUMER

CREDIT CONSUMER

Dengan semakin tingginya permintaan masyarakat akan kredit konsumer (KPR / KKB / KTA dan Credit Card) sangat penting bagi bank ataupun institusi keuangan untuk dapat merespon animo masyarakat tersebut dengan mengembangkan produk sesuai dengan permintaan konsumen. Dan mengelola portofolio kredit konsumen tersebut sejak dari proses akuisisi sampai dengan collection, untuk mendapatkan imbal hasil (return) yang optimum bagi bank/institusi keuangan tersebut.

Outline :

1. Planning Consumer Credit Products
2. Selecting and attracting the target market, Designing product terms and conditions
3. Developing profit models for consumer lending products
4. Account Acquisition
5. Screening and credit evaluation, Avoiding negative selection
6. Setting credit lines to meet profit goals
7. Credit Scoring Theory And Application
8. Developing and implementing scores to meet business goals
9. Monitoring and validation
10. Portfolio Maintenance
11. Controlling the performance of accounts
12. Testing programs for optimum implementation
13. Collections
14. Developing a collection strategies : identifying low- and high risk accounts, collection scoring, allocating internal and external resources
15. Forecasting delinquency and write off
16. Secured Products: Mortgages (KPR) And Automobile Loans (KKB) and
17. Unsecured Product : Personal Loan (KTA)
18. Planning the product , Screening techniques (underwriting process)
19. Managing the portfolio
20. Profit Analysis
21. Life time, single-loan profitability analysis, installment loans and revolving products allocating revenue and cost by product and Funding

Peserta :

Business Support Credit Consumer, Manajer Portofolio, Analis Kredit, Account Officer, Analis Kredit, Analis Risiko, Pimpinan Cabang