CONSUMER LENDING BUSINESS

Aug 10, 2020 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

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