Credit Risk Management For Banking & Fintech

Master credit risk management

What you'll learn

Understand credit risk objectives, the 5Cs of credit, and how to evaluate borrower creditworthiness effectively.

Apply collateral assessment and covenant negotiation techniques to mitigate lending risks.

Use key credit risk metrics (RAROC, RORWA, CAPM, PD/LGD/EAD) to measure and manage risk

Credit risk management and mitigation

Requirements

No prior experience required. Basic familiarity with financial statements and Excel/Google Sheets is helpful but not mandatory.

Description

Credit risk is the backbone of every lending and investment decision. Yet most professionals struggle to move beyond theory into practical application. This course bridges that gap.You’ll learn how to evaluate borrowers using the 5 Cs of Credit, assess collateral quality, negotiate covenants, and apply advanced tools like RAROC, RORWA, PD/LGD/EAD, and CAPM. We’ll also cover portfolio diversification, structured credit, and counterparty risk—plus the global Basel Accords that shape modern banking.Through step-by-step lessons, real case studies, and downloadable templates, you’ll gain the confidence to present credit recommendations to committees, price loans correctly, and safeguard profitability while staying compliant with regulatory frameworks.By the end of this course, you will be able to:Analyze financial ratios and cash flow to detect borrower red flagsStructure covenants and collateral to mitigate riskCalculate risk-adjusted returns with RAROC and RORWAUnderstand Basel III/IV capital requirements and their impact on banksPresent a professional credit memo with confidenceWhether you’re a student, junior analyst, banker, or fintech founder, this course will equip you with job-ready credit risk skills.If you lend, invest, or ship fintech products—credit risk is the one mistake you can’t afford.Enroll now and transform the way you understand and manage credit risk.

Overview

Section 1: Introduction

Lecture 1 What is credit risk management ?

Lecture 2 Types of credit risk

Lecture 3 Importance of policies of credit risk management ?

Lecture 4 Credit risk management policies

Section 2: Credit risk management strategies ?

Lecture 5 What are credit risk management strategies ?

Lecture 6 What are key Financial ratios for credit assessment ?

Lecture 7 Important ratios explained ?

Section 3: Comprehensive credit analysis of Financial Institutions ?

Lecture 8 How to do credit analysis of FI ?

Lecture 9 5 Cs of credit ?

Section 4: Overview of Basel accords

Lecture 10 Overview and evolution of Basel accord

Lecture 11 Approaches of Credit risk management

Lecture 12 Impact of Basel 3 and 4 accord ?

Students, banking professionals, fintech founders, and aspiring credit analysts who want practical skills in credit risk management and Basel frameworks.