This course introduces the concept of Credit Card Product Proposition Design within the Credit Card Credit framework. It focuses on understanding the scope, intent, and risk implications of designing credit card products that balance customer value, business objectives, and risk management requirements.
Learners will explore key assessment dimensions such as defining the scope and intent of the product proposition, establishing governance frameworks for product design and approval, and ensuring robust performance oversight mechanisms, with an emphasis on independent validation and well-documented rationale. The course highlights how product features—such as credit limits, pricing structures, rewards programs, and repayment flexibility—can influence customer behaviour, risk exposure, and portfolio performance. It also examines the importance of aligning product design with target customer segments, underwriting standards, and regulatory expectations.
The course distinguishes credit card product proposition design from broader portfolio diversification strategies, emphasizing its role in product-level risk identification, design control, and structured breach response, whereas diversification focuses on distributing risk across segments. Each requires distinct evidence standards, ownership, and approval authority.
By the end of the course, participants will understand how to design and evaluate credit card propositions in practice, particularly within Credit Card Proposition Design. The course also emphasizes the role of the credit analyst in executing structured assessments, completing documentation, and flagging exceptions for manager review within Credit Card Credit workflows, ensuring disciplined product design and alignment with credit committee priorities.