This course covers Customer Experience Risk in Card Products, which involves understanding the scope, intent, and risk implications of customer experience across credit card products within the Credit Card Credit workflow, particularly for accounts requiring structured assessment, clearly defined boundaries, and independent review. It focuses on how product design, processes, and interactions may create friction, confusion, or adverse outcomes for customers.
It evaluates key dimensions such as experience scope and intent, along with the embedding of fraud prevention measures and ethical conduct principles into product and process design, with each representing a distinct assessment dimension that requires independent validation and documented rationale before any credit action is finalized.
It is distinct from portfolio diversification strategy, as it focuses on the structured identification and mitigation of risks arising from poor customer journeys—such as lack of transparency, complex fee structures, miscommunication, or service gaps—ensuring fair, consistent, and customer-centric outcomes, rather than broader strategies that guide overall exposure distribution. Within Fraud, Conduct & Fairness-by-Design, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure within the Credit Card Credit function, shaping escalation scope and credit committee priorities.