This course introduces the concept of the Customer Outcome Framework within the Working Capital – Consumer Credit framework. It focuses on defining the expected customer outcomes that should result from responsible product design, fair conduct practices, transparent communication, and disciplined credit decision-making.
Learners will explore key assessment dimensions such as defining expected customer outcomes, implementing conduct safeguards, establishing disclosure and communication standards, and assessing reputational risk sensitivities associated with the product, with an emphasis on independent validation and well-documented rationale. The course highlights how customer outcome frameworks help ensure that working capital products are structured and managed in ways that support borrower understanding, affordability, appropriate usage, and fair treatment throughout the credit lifecycle. It also examines how weak customer outcome practices can create conduct risk, reputational damage, regulatory concerns, and long-term portfolio deterioration.
The course distinguishes the customer outcome framework from portfolio restructuring mechanisms, emphasizing its role in upfront exposure-level conduct assessment, customer protection, and structured breach response, whereas restructuring mechanisms focus on managing already distressed or financially stressed accounts. 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 outcome frameworks in practice, particularly within Customer Outcomes, Conduct, and Reputation management. The course also emphasizes the role of the credit manager in validating team-level analysis, approving case recommendations, and managing segment-level exposure within Working Capital – Consumer Credit, ensuring fair customer treatment, disciplined conduct oversight, and alignment with credit committee priorities.