This course introduces the concept of the Customer Outcome Framework within the Working Capital – Consumer Credit context. It focuses on defining, monitoring, and ensuring that customer outcomes across the credit lifecycle align with intended product design, fairness principles, and regulatory expectations.
Learners will explore key assessment dimensions such as defining expected customer outcomes for the product, embedding conduct safeguards to prevent unfair treatment, ensuring clarity and effectiveness in disclosure and communication standards, and assessing reputational risk sensitivities, with an emphasis on independent validation and well-documented rationale. The course highlights how gaps between intended and actual outcomes can lead to customer harm, conduct risk, and reputational impact if not proactively identified and managed.
The course distinguishes the customer outcome framework from portfolio restructuring mechanisms, emphasizing its role in defining expected outcomes, identifying deviations, and enabling structured response at the exposure and portfolio level, whereas restructuring focuses on managing already stressed exposures. Each requires distinct evidence standards, ownership, and approval authority.
By the end of the course, participants will understand how to design, assess, and operationalize customer outcome frameworks in practice, particularly within Customer Outcomes, Conduct, and Reputation. The course also emphasizes the role of the credit analyst in executing structured assessments, documenting findings, and flagging exceptions for manager review within Working Capital – Consumer Credit workflows, ensuring alignment with fairness principles and credit committee priorities.