This course introduces the concept of Risk-Adjusted Pricing Logic within the Commercial Vehicle Retail Credit framework. It focuses on applying pricing approaches that account for distress-related factors, ensuring that credit exposures are priced appropriately in line with underlying risks and expected recovery outcomes.
Learners will explore key assessment dimensions such as time horizon, execution risk, borrower viability, and asset valuation, with an emphasis on independent validation and well-documented rationale. The course also distinguishes risk-adjusted pricing logic from broader portfolio diversification strategies, highlighting its specific role in evaluating exposure-level risks and determining appropriate risk compensation.
By the end of the course, participants will understand how to apply risk-adjusted pricing in practice, particularly within Pricing, Haircut, and Risk Compensation, including validation of team-level analysis, approval of case recommendations, management of segment-level exposure, and escalation to the credit committee where required.