This course covers Pricing, Fees & Interest Rate Design, which involves understanding the scope, intent, governance structure, and risk implications of pricing mechanisms within Credit Card Credit workflows to ensure balanced profitability, borrower fairness, and sustainable portfolio performance. It evaluates key dimensions such as pricing structure, fee governance, interest rate calibration, and risk–reward alignment, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from related portfolio management strategies, as it focuses on structured pricing assessment, exception handling, and exposure-specific calibration at the account level, rather than broader diversification or portfolio allocation frameworks. Within Pricing, Fees & Risk–Reward Calibration, the senior credit leader establishes portfolio limits, governs exception criteria, and drives strategic alignment across the Credit Card Credit function, shaping escalation scope and credit committee priorities.