CONSUMER LENDING BUSINESS

Mar 11, 2022 Jogja Smart Indotama Banking 0

DESKRIPSI

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.

TUJUAN

Memahami mekanisme pengembangan produk kredit konsumer
Mengetahui cara mengakuisisi nasabah
Memahami prinsip kerja credit scoring
Mendapatkan teknik-teknik untuk mengelola portofolio kredit konsumen
Mengetahui teknik dan strategi collection
Memahami cara menganalisa tingkat profitabilitas

MATERI

Planning Consumer Credit Products

Selecting and attracting the target market, Designing product terms and conditions
Developing profit models for consumer lendingproducts

Account Acquisition

Screening and credit evaluation, Avoiding negative selection
Setting credit lines to meet profit goals

Credit Scoring Theory And Application

Developing and implementing scores to meet business goals
Monitoring and validation

Portfolio Maintenance

Controlling the performance of accounts
Testing programs for optimum implementation

Collections

Developing a collection strategies : identifying low- and high risk accounts, collection scoring, allocating internal and external resources
Forecasting delinquency and write off

Secured Products: Mortgages (KPR) And Automobile Loans (KKB) and Unsecured Product : Personal Loan (KTA)

Planning the product , Screening techniques (underwriting process)
Managing the portfolio

Profit Analysis

Life time, single-loan profitability analysis, installment loans and revolving products
allocating revenue and cost by product and Funding

METODE

Kegiatan pelatihan dirancang agar peserta dapat memahami secara komprehensif materi yang disampaikan, sehingga dapat dimplementasikan secara aplikatif dalam dunia kerja. Adapun metode yang digunakan adalah:

Presentation
Discuss
Case Study
Evaluation

WAKTU & TEMPAT

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Hotel Berbintang di Yogyakarta

Request for Training Venue: Semarang, Solo, Bandung, Jakarta, Balikpapan, Surabaya,

Jogja, Lombok, Malang, Makassar and Batam

In House Training Depend on request

FASILITAS

Training Hand Out
Digital Material
Certificate
Exclusive Souvenir
Qualified Bag
Training Photo
Training room with full AC facilities and multimedia
Once lunch and twice coffee break every day of training
Qualified Instructor
Transportation from airport / railway to hotel and from hotel to the training venue (2 person from one company)