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Portfolio Mix & Composition Strategy - Personal Loan Credit

Last Updated:05/2026 English (US) Instructor: Eduonix Learning Solutions

Lectures: 1
|
Videos: hours
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Level: All
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Language: English
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Last Updated: 05/2026

Skills: Banking Finance

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About this Course

This course introduces the concept of Portfolio Mix & Composition Strategy within the Personal Loan Credit (Salaried/Self-Employed) framework. It focuses on defining the desired balance of the loan portfolio across key dimensions such as customer segments, risk profiles, tenors, and product propositions to achieve sustainable growth while maintaining risk discipline.

Learners will explore key assessment dimensions such as structuring portfolio distribution across risk bands, aligning tenors with borrower profiles, defining target customer segments, and linking portfolio composition to the overall personal loan product proposition, with an emphasis on independent validation and well-documented rationale. The course highlights how an imbalanced portfolio mix—such as overexposure to high-risk segments or long-tenor loans—can increase vulnerability to economic stress and impact portfolio stability. It also examines the need to continuously monitor and recalibrate portfolio composition based on performance trends and strategic objectives.

The course distinguishes portfolio mix and composition strategy from broader portfolio diversification strategies, emphasizing its role in defining targeted portfolio structure, segment-level exposure management, and actionable risk boundaries, whereas diversification focuses on spreading risk more generally across segments. Each requires distinct evidence standards, ownership, and approval authority.

By the end of the course, participants will understand how to design, monitor, and optimize portfolio composition in practice, particularly within Personal Loan Product Proposition and Positioning. The course also emphasizes the role of the credit manager in validating team-level analysis, approving case recommendations, and managing segment-level exposure within Personal Loan Credit, ensuring alignment with business strategy, risk appetite, and credit committee priorities.

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Eduonix Learning Solutions

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Eduonix creates and distributes high quality technology training content. Our team of industry professionals have been training manpower for more than a decade. We aim to teach technology the way it is used in industry and professional world. We have professional team of trainers for technologies ranging from Mobility, Web to Enterprise and Database and Server Administration.

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