This course covers Target Borrower Segment Framework, which involves defining eligible consumer borrower segments based on working capital requirements, cash-flow behavior, credit usage needs, and repayment capacity considerations within Working Capital – Consumer Credit workflows. It focuses on establishing structured borrower eligibility frameworks that align product design, risk appetite, and operational objectives while ensuring appropriate boundary definition and exposure management. The course evaluates key dimensions such as cash-flow patterns, linkage to working capital need, structure choices, and usage boundaries, with each requiring independent validation and documented rationale before any credit action is finalized. It is distinct from portfolio restructuring mechanisms, as it focuses on borrower segmentation, product-fit assessment, and exposure-specific eligibility criteria, rather than broader restructuring strategies or portfolio-level recovery frameworks. Within Working Capital Product Proposition & Structure, 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.