CONSUMER LENDING BUSINESS

Mar 11, 2022 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

Januari - Maret	April - Juli	Juli - September	Oktober - Desember
03 - 05 Jan 2023	04 - 06 Apr 2023	04 - 06 Jul 2023	03 - 05 Okt 2023
10 - 12 Jan 2023	11 - 13 Apr 2023	11 - 13 Jul 2023	10 - 12 Okt 2023
17 - 19 Jan 2023	18 - 20 Apr 2023	17 - 19 Jul 2023	17 - 19 Okt 2023
24 - 26 Jan 2023	25 -27 Apr 2023	25 - 27 Jul 2023	24 - 26 Okt 2023
01 - 03 Feb 2023	02 - 04 Mei 2023	01 - 03 Agst 2023	31 Okt - 02 Nov 2023
07 - 09 Feb 2023	09 - 11 Mei 2023	08 - 10 Agst 2023	07 - 09 Nov 2023
14 - 16 Feb 2023	16 -18 Mei 2023	15 - 17 Agst 2023	14 - 16 Nov 2023
21 - 23 Feb 2023	23 -25 Mei 2023	22 - 24 Agst 2023	21 - 23 Nov 2023
28 Feb - 02 Mar 2023	30 Mei - 01 Jun 2023	29 - 31 Agst 2023	28 - 30 Nov 2023
7 - 9 Mar 2023	06 - 08 Jun 2023	05 - 07 Sep 2023	05 - 07 Des 2023
14 - 16 Mar 2023	13 - 15 Jun 2023	12 - 14 Sep 2023	12 - 14 Des 2023
20 - 22 Mar 2023	20 - 22 Jun 2023	19 - 21 Sep 2023	19 - 21 Des 2023
28 - 30 Mar 2023	27 - 29 Jun 2023		27 - 29 Des 2023

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