This course introduces the concept of Customer Consent & Disclosure Design within the Business Loan Credit (Proposition) framework. It focuses on understanding the scope, intent, operational relevance, and risk implications of designing customer consent mechanisms and disclosure practices that support transparency, compliance, customer understanding, and responsible lending within proposition-led business lending products operating under policy-driven decisioning and standardized underwriting frameworks.
Learners will explore key assessment dimensions such as understanding product scope and intent, managing proposition-led business lending credit, policy-driven decisioning, and structured underwriting governance, with an emphasis on independent validation and well-documented rationale. The course highlights how customer consent and disclosure design influences customer experience, governance effectiveness, operational discipline, underwriting transparency, regulatory alignment, conduct risk management, and overall portfolio resilience. It also examines how weak or poorly designed disclosure frameworks can result in governance weaknesses, customer disputes, regulatory concerns, operational inefficiencies, inconsistent customer communication, elevated conduct risk exposure, and increased portfolio instability within business lending operations.
The course distinguishes customer consent and disclosure design from broader reporting and disclosure standards, emphasizing its role in exposure-level consent governance, structured customer communication design, underwriting transparency controls, and corrective action escalation, whereas reporting and disclosure standards focus more broadly on enterprise-wide communication obligations, regulatory reporting consistency, and institutional transparency requirements. Each requires distinct evidence standards, ownership, and approval authority.
By the end of the course, participants will understand how to design, assess, and implement customer consent and disclosure frameworks in practice, particularly within Customer Journey and Proposition Experience functions. The course also emphasizes the role of the credit analyst in executing assessments, completing documentation, and flagging exceptions for manager review within Business Loan Credit (Proposition) credit files, ensuring disciplined underwriting governance, sustainable risk management, and alignment with credit committee priorities.
