This course covers Customer Experience Risk Indicators, which involves understanding the intent, scope, governance standards, and risk implications of identifying indicators that signal customer experience risks within Consumer LAP Credit workflows. It focuses on assessing how customer journeys, communication practices, disclosure clarity, service interactions, and process design may influence borrower understanding, satisfaction, conduct risk exposure, and overall lending outcomes. The course evaluates key dimensions such as policy interpretation, scope alignment, customer journey structuring, and communication governance, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from broader portfolio diversification strategies, as it focuses on customer experience monitoring, exposure-specific communication risk assessment, and lending journey governance frameworks, rather than enterprise-wide diversification or strategic portfolio balancing approaches. Within Customer Journey, Communication & Disclosure, the credit manager validates team-level analysis, approves case recommendations, and manages segment-level exposure within Consumer LAP Credit, shaping escalation scope and credit committee priorities.