This course covers Customer Outcome Risk Metrics, which involves defining and applying metrics to quantify and monitor risks related to customer outcomes within the Credit Card Credit workflow, particularly for accounts requiring structured assessment, clearly defined boundaries, and independent review. It focuses on measuring how credit decisions, product features, and processes impact customer fairness, transparency, and overall experience.
It evaluates key dimensions such as embedding fraud prevention measures, ethical conduct standards, and fairness principles into product design and processes, 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 measurement and monitoring of customer-level risks—such as unfair treatment, mis-selling, hidden charges, or adverse outcomes—to ensure responsible and compliant lending practices, 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.