Retail Credit Risk & Credit Scoring

Euromoney Learning Solutions

How long?

  • 4 days
  • in person

Euromoney Learning Solutions


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About the course

This course begins with the notion of risk and risk management, be that everyday, finance, or consumer lending.

It will look at credit scoring, the most common set of techniques for managing and controlling consumer credit risk. It considers a range of issues that impact on how we implement and use credit scoring in a consumer lending environment and also how we ensure it is successful in its management of risk.

Attend this 4-day course / workshop and learn:

  • About risk, risks in banking, risks in retail banking, and the credit cycle
  • The process of scorecard building
  • How scorecards are implemented and how to set the cut-off
  • How scorecards are managed once in use
  • The impacts of fraud on retail lending
  • About the laws and regulations that apply to retail lending
  • How to design and recruit your retail credit risk management team

Throughout the programme there will be:

  • Individual exercises, examples, and case studies
  • Group exercises and case studies, in some of which each group will need to report their conclusions to the other groups
  • Discussions, where delegates are expected to participate


Day 1

What is Risk?

  • Defining risk
  • Exploring risks
  • Exploring risks in banking and then in retail lending.
  • Various risks will be discussed together with examples from a variety of banking and non-banking organizations.

Case Study: Brand Risk

Credit Products

  • What credit products exist – and what are their implications for credit risk management?
  • What channels do we use to process and manage the customers and the credit products?

The Credit Cycle and Principles of Credit Risk Management

  • What is the credit cycle – and what are the key steps along its path
  • What are the key principles of credit risk management?
  • How is credit governed within lending organizations?

Case Studies:

  • Credit product launch
  • Application fulfillment
  • Customer retention

How do we lend money?

  • What are the high level principles?
  • What processes do we need?
  • Traditional underwriting – its strengths and weaknesses

An Introduction to Credit Scoring

  • What is credit scoring?
  • Why do many lending institutions use it?

Case Study: Reasons for and benefits of credit scoring

Day 2

Credit Data

  • Data and the types of data used to make a credit decision
  • Sources of data

Case Study: Data quality

The Typical Scorecard Development Process

  • What is the typical process? What are the key steps?
  • How long does it take and why?
  • What does a scorecard look like?

Data Quality and Quantity

  • Key aspects of data quality
  • Why is data quality important?
  • How do we drive data quality?
  • How much data do we need to capture?

Case Study: Data quantity

How are Scorecards Developed?

  • What are the principles of the common methodologies?
  • Reject Inference – what is it? Why do we have it? What are the options for it?
  • How many scorecards do we need?
  • How do we measure the strength of a scorecard?

Scorecard Implementation

  • The key steps to take prior to using a new scorecard.
  • Setting the scorecard cut-off
  • Business implications of various strategies

Case Study: Setting the scorecard cut-off

Day 3

Scorecard monitoring and tracking

  • Ensuring that the scorecard is still appropriate for the target population
  • Assessing if the scorecard is still working
  • Over-rides and their management

Case Studies:

  • Monitoring - characteristic analysis
  • Monitoring - final score report

Account Acquisition

  • Credit policy
  • Affordability checks
  • Lending limits – customer and institution

Account Management

  • How to manage individual accounts - credit limit management, cross-selling, re-selling, and customer retention
  • Scoring uses
  • Portfolio management and forecasting

Case Study: Portfolio management and forecasting

Non-Performing Accounts

  • Collections and recoveries - principles, strategies, tactics
  • Debt sale
  • Use of scoring

Credit and Sales

  • Risk based pricing
  • Up-selling and down-selling

Case Study: Up-selling and Down-selling

Day 4


  • Detection, prevention and analysis

Case Study: Major fraud cases

Regulation – Basel

  • Background and principles
  • Impact on credit risk management
  • Impact on the credit risk and credit governance processes

Bad Debt Provisions

  • What are these?
  • What rules apply to them?

Management Information

  • Key requirements

Case Study: Exploring a multi-national bank’s MI manual

Designing and Recruiting a Credit Risk Management Team

  • Roles and functions
  • Recruitment and retention

Course summary and close


David Edelman

The course instructor took degrees in Statistics from Glasgow and Harvard and then embarked on an academic career. After four years, he changed direction and moved into retail banking and specifically retail lending. He gained extensive experience in credit scoring and management information thro...

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Retail Credit Risk & Credit Scoring at Euromoney Learning Solutions

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