This course explains Cross-Sell & Exposure Spillover Awareness and how lenders evaluate cumulative borrower exposure across multiple products to understand its impact on affordability and unsecured credit risk. It covers cross-sell product categories, eligibility criteria, consent and suitability requirements, and the risks of mis-selling or over-leveraging borrowers. The course also highlights how understanding exposure spillover supports responsible credit decisions, helping lenders balance relationship profitability with borrower affordability and portfolio risk controls.