This course covers Short-Tenor Exposure Framework, which involves defining acceptable short-tenor exposure structures for working capital facilities based on repayment cycles, liquidity behavior, and short-term funding requirements within Working Capital – Consumer Credit workflows. It focuses on establishing disciplined frameworks for managing temporary credit exposures while ensuring alignment between utilization patterns, repayment expectations, and renewal practices. The course evaluates key dimensions such as limit design, drawing rights, utilisation expectations, and renewal philosophy, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from broader portfolio diversification strategies, as it focuses on short-duration exposure governance, facility-level utilization controls, and tenor-specific working capital structuring, rather than enterprise-wide diversification or macro-level portfolio balancing frameworks. Within Limit Design, Utilisation & Renewal, the credit analyst executes the assessment, completes documentation, and flags exceptions for manager review within Working Capital – Consumer Credit credit files, shaping escalation scope and credit committee priorities.