This course introduces the concept of Recovery Strategy for Housing Loans within the Housing Finance Credit framework. It focuses on structured approaches to recovering dues from delinquent or defaulted housing loan accounts while balancing effectiveness, timeliness, and regulatory compliance.
Learners will explore key assessment dimensions such as understanding the scope and risk implications of different recovery strategies, evaluating timeliness of actions across the delinquency lifecycle, and ensuring adherence to compliance requirements, with an emphasis on independent validation and well-documented rationale. The course highlights various recovery pathways including early-stage collections, restructuring options, negotiated settlements, and legal enforcement actions such as possession and sale of secured property. It also examines how delays, poor strategy selection, or non-compliance can increase loss severity and recovery costs.
The course distinguishes recovery strategy for housing loans from broader portfolio diversification strategies, emphasizing its role in exposure-level breach response and resolution rather than portfolio-level risk distribution.
By the end of the course, participants will understand how to design, evaluate, and execute effective recovery strategies in practice, particularly within Collections, Recovery, and Enforcement Strategy. The course also emphasizes the role of the credit manager in validating team-level analysis, approving case-level recovery approaches, and managing segment-level exposure within Housing Finance Credit, including adherence to legal and compliance standards, documentation quality, and escalation protocols aligned with credit committee priorities.