This course covers Policy Drift Detection Mechanisms, which involves establishing mechanisms to detect misalignment between approved credit policies, actual underwriting practices, portfolio behavior, and operational execution within Consumer LAP Credit workflows. It focuses on identifying deviations from policy intent, emerging governance gaps, and inconsistencies in risk treatment in order to strengthen corrective oversight, portfolio discipline, and compliance alignment. The course evaluates key dimensions such as risk identification, corrective actions, collateral valuation, and legal checks, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from operational procedure design, as it focuses on policy adherence monitoring, governance drift detection, and exposure-level compliance alignment, rather than detailed operational workflow execution or process configuration frameworks. Within Performance Management, MI & Review Cadence, 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.