This course covers Customer Experience Risk in Housing Products, which involves understanding the scope, intent, and risk implications of how customer interactions and experiences may impact outcomes within the Housing Finance Credit workflow, particularly for accounts requiring structured assessment, clearly defined boundaries, and independent review. It evaluates key dimensions such as customer journey scope, product intent, and the embedding of fraud prevention and ethical conduct principles, 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 management of risks arising from poor customer experience—such as mis-selling, lack of transparency, process inefficiencies, or unfair treatment—ensuring alignment with conduct standards and customer protection principles, rather than broader portfolio-level strategies that address exposure distribution. Within Fraud, Conduct & Fairness-by-Design, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure within Housing Finance Credit, shaping escalation scope and credit committee priorities.