This course covers Loan-Against-Property Product Structure & Tenure Design, which involves understanding the scope, risk implications, and application of product structuring and tenure decisions within the Consumer LAP Credit workflow, particularly for accounts requiring structured assessment, clearly defined boundaries, and independent review. It evaluates key dimensions such as product scope, associated risk implications, control contexts, and collateral valuation, 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 design of product features—such as tenure, repayment structure, and eligibility norms—to align risk, affordability, and collateral strength, rather than broader portfolio-level strategies that address exposure distribution. Within Consumer LAP Product Design & Eligibility, the senior credit leader sets portfolio limits, governs exception criteria, and drives strategic alignment across the Consumer LAP Credit function, shaping escalation scope and credit committee priorities.