This course covers Target Borrower Segment Framework, which involves defining eligible consumer borrower segments for working capital products based on their financial behaviour, working capital needs, and suitability for specific product structures, within Working Capital – Consumer Credit. It applies to accounts requiring structured assessment, clear boundary definition, and independent review before any credit action is finalized.
It evaluates key dimensions such as borrower cash-flow patterns, linkage between funding requirements and genuine working capital needs, appropriateness of product structure choices, and clearly defined usage boundaries governing permissible utilisation, with each requiring independent validation and documented rationale to ensure that target segments are appropriately matched to product intent, repayment capacity, and institutional risk appetite.
It is distinct from portfolio restructuring mechanisms, as it focuses on structured identification and governance of borrower segment suitability and product alignment at the exposure level, rather than broader portfolio rehabilitation or restructuring strategies—each governed by separate evidence standards, ownership, and approval authority.
Within Working Capital Product Proposition & Structure, the senior credit leader sets portfolio limits, governs exception criteria, and drives strategic alignment across the Working Capital – Consumer Credit function, directly influencing escalation scope and credit committee prioritization.