CONSUMER LENDING BUSINESS

Oct 16, 2018 Jogja Smart Indotama Banking 0

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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

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

• Account Acquisition

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

• Credit Scoring Theory And Application

1. Developing and implementing scores to meet business goals
2. Monitoring and validation

• Portfolio Maintenance

1. Controlling the performance of accounts
2. Testing programs for optimum implementation

• Collections

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

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

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

• Profit Analysis

1. Life time, single-loan profitability analysis, installment loans and revolving products
2. 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:

1. Presentation
2. Discuss
3. Case Study
4. Evaluation

WAKTU & TEMPAT

3 – 5 Jan 2018	27 – 29 Mar 2018	3 – 5 Jul 2018	9 – 11 Okt 2018
9 – 11 Jan 2018	3 – 5 Apr 2018	10 – 12  Jul 2018	16 – 18 Okt 2018
16 – 18 Jan 2018	10 – 12 Apr 2018	17 – 19 Jul 2018	30 Okt – 1 Nov 2018
23 – 25 Jan 2018	17 – 19 Apr 2018	24 – 26  Jul 2018	6 – 8 Nov 2018
30 Jan – 1 Feb 2018	24 – 26 Apr 2018	31 Jul – 2 Agst 2018	13 – 15 Nov  2018
6 – 8 Feb 2018	2 – 4 Mei 2018	7 – 9 Agt 2018	21 – 23 Nov 2018
13 – 15 Feb 2018	15 – 17 Mei 2018	14 – 16  Agt 2018	27 – 29 Nov 2018
20 – 22 Feb 2018	22 – 24  Mei 2018	28 – 30  Agt 2018	4 – 6 Des  2018
27 Feb – 1 Mar 2018	5 – 7 Jun 2018	4 – 6 Sept  2018	11 – 13 Des 2018
6 – 8 Mar 2018	12 – 14  Jun 2018	18 – 20 Sept 2018	18 – 20 Des 2018
13 – 15 Mar 2018	19 – 21  Jun 2018	25 – 27 Sept 2018	26 – 28 Des 2018
20 – 22 Mar 2018	26 – 28  Jun 2018	2 – 4 Okt 2018

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

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

PENDAFTARAN

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• Account Acquisition, ATM, banking, Business Loan, Consumer Credit, Credit, Credit Scoring, Kartu Kredit, KKB, Konsumen, KPR, Kredit Konsumer, KTA, pelatihan di jogja, Pelatihan Perbankan, pelatihan SDM, perbankan, Profitabilitas, training di jogja, Training SDM