This course covers Limit-to-Cash-Flow Ratio Design, which involves defining ratio-based constraints that link working capital limits to borrower cash-flow generation, repayment capacity, and affordability thresholds within Working Capital – Consumer Credit workflows. It focuses on establishing disciplined calibration frameworks that ensure credit exposure levels remain proportionate to operating cash flows, liquidity conditions, and sustainable servicing ability. The course evaluates key dimensions such as affordability assumptions, surplus estimation, limit-to-cash-flow calibration, and utilization monitoring, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from broader credit management processes, as it focuses on cash-flow-linked exposure calibration, borrower-level affordability controls, and ratio-driven working capital assessment methodologies, rather than enterprise-wide credit governance or strategic portfolio administration frameworks. Within Affordability, Surplus & Stress Buffers, the credit analyst executes the assessment, completes documentation, and flags exceptions for manager review within Working Capital – Consumer Credit credit files, shaping escalation scope and credit committee priorities.