Home  »  Bandung • Credit and Collection • Februari 2019 • Perbankan & Koperasi • Yogyakarta   »   Kredit Konsumer

Kredit Konsumer

Description

Dengan semakin tingginya permintaan masyarakat akan kredit kosumer (KPR/KKB/KTA dan Credit Card) sangat penting bagi bank ataupun institusi keuangan untuk dapat merespon animo masyarakat tersebut dengan mengembangkan prosuk 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. 

Objective

1. Memahami mekanisme pengembangan produk kredit konsumer
2. Mengetahui cara mengakuisisi nasabah
3. Mengetahui prinsip kerja credit scoring
4. Mendapatkan teknik-teknik untuk mengelola portofolio kredit konsumen
5. Mengetahui teknik dan strategi collection
6. Memahami cara menganalisa tingkat profitabilitas

Outline

1. Planning Customer Credit Products

• Selecting and attracting the target market, designing product term and conditions
• Developing profit models for consumer lending products

2. Account Acquisition

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

3. Credit Scoring Theory and Application

• Developing and implementing scores to meet business goals
• Monitoring and validation

4. Portofolio Maintenance

• Controlling the performance of accounts
• Testing program for optimum implementation

5. Collections

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

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

• Planning the product, screening techniques (underwriting process)
• Managing the portofolio

7. Profit Analysis

• Life time, single-loan profitability analysis, installment loans and revolving products
• Allocating revenue and cost by product and funding

Training Method

Presentation

Discussion

Case Study

Evaluation

Facility

Training Kit

Handout

Certificate

Lunch (1x)

Coffee Break (2x)

Souvenir

Pick Up Participant (Khusus Yogyakarta)