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 design to ensure borrowers are provided with clear, accurate, and understandable information before entering into credit obligations, assessment of proposition-led business lending credit processes to confirm disclosures appropriately reflect product structure, pricing, repayment obligations, fees, risks, and customer rights, evaluation of policy-driven decisioning frameworks to ensure consent capture, disclosure acceptance, and audit trail controls are consistently embedded across automated and manual workflows, and analysis of associated risk implications to identify whether unclear disclosures, incomplete consent processes, misleading communication, or inconsistent information delivery could result in customer harm, conduct breaches, disputes, operational failures, or regulatory non-compliance, with each requiring independent validation and documented rationale to ensure consent and disclosure practices remain aligned with governance standards, legal obligations, and fair customer outcome expectations.
It is distinct from reporting and disclosure standards, as it focuses specifically on customer-facing consent mechanisms, pre-contractual disclosures, and transparency controls within proposition-led business lending journeys, rather than broader organizational reporting, regulatory filings, or external disclosure obligations—each governed by separate evidence standards, ownership, and approval authority.
Within Customer Journey & Proposition Experience, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure within Business Loan Credit (Proposition), directly influencing escalation scope and credit committee prioritization.