This course covers Over-Utilisation Control Framework, which involves establishing controls for the prevention, identification, and management of sustained over-utilisation of working capital facilities within Working Capital – Consumer Credit workflows. It focuses on ensuring that borrower utilization behavior remains aligned with approved credit structures, liquidity expectations, and renewal conditions while supporting disciplined exposure management and risk containment. The course evaluates key dimensions such as limit design, drawing rights, utilisation expectations, and renewal philosophy, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from broader compliance monitoring frameworks, as it focuses on facility-level utilization governance, exposure breach management, and working capital usage discipline, rather than enterprise-wide compliance oversight or regulatory monitoring structures. Within Limit Design, Utilisation & Renewal, 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.