This course covers Exposure & Concentration Limits Design, which involves understanding the intent, scope, governance standards, and risk implications of defining exposure and concentration limits within Consumer LAP Credit workflows. It focuses on establishing structured controls that govern borrower exposure levels, collateral-backed lending concentrations, geographic and segment-level limits, and portfolio risk thresholds to maintain balanced and sustainable credit portfolios. The course evaluates key dimensions such as policy interpretation, scope alignment, LTV governance, and concentration risk management, 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 exposure-level concentration controls, secured lending limit governance, and collateral-backed risk management frameworks, rather than enterprise-wide diversification or macro-level portfolio balancing approaches. Within LTV, Exposure & Concentration Risk Design, 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.