This course covers Customer Consent & Disclosure Design, which involves designing and governing customer consent mechanisms and disclosure frameworks to ensure transparency, informed decision-making, regulatory compliance, and fair customer treatment within Business Loan Credit (Proposition). It applies to accounts requiring structured assessment, clear boundary definition, and independent review before any credit action is finalized.
It evaluates key dimensions such as understanding the scope and intent of customer consent and disclosure requirements to determine how information is communicated, acknowledged, and documented throughout the lending lifecycle, assessment of proposition-led business lending credit frameworks to ensure disclosures appropriately explain pricing, obligations, risks, data usage, consent terms, and contractual conditions to customers, evaluation of policy-driven decisioning mechanisms to confirm automated and manual workflows consistently capture valid customer consent, maintain auditability, and enforce approved disclosure standards, and analysis of associated risk implications to identify whether unclear disclosures, inadequate consent capture, inconsistent communication practices, or weak documentation controls could increase conduct risk, regulatory breaches, customer disputes, reputational damage, or legal enforceability concerns, with each requiring independent validation and documented rationale to ensure consent and disclosure practices remain aligned with governance expectations, regulatory obligations, and customer fairness principles.
It is distinct from reporting and disclosure standards, as it focuses specifically on customer-facing consent capture and disclosure design within proposition-led business lending interactions, rather than broader institutional reporting, financial disclosure, or regulatory communication obligations—each governed by separate evidence standards, ownership, and approval authority.
Within Customer Journey & Proposition Experience, the senior credit leader sets portfolio limits, governs exception criteria, and drives strategic alignment across the Business Loan Credit (Proposition) function, directly influencing escalation scope and credit committee prioritization.