Kredit Konsumer

DESCRIPTIVE Dengan semakin tingginya permintaan masyarakat akan kredit konsumer (KPR/KKB/KTA dan Credit Card) sangat penting bagi bank ataupun institusi keuangan untuk dapat merespon animo masyarakat tersebut dengan mengembangkan produk sesuai dengan permintaan konsumen. Dan mengelola portofolio kredit konsumen tersebut sejak dari proses akuisisi sampai dengan collection, untuk mendapatkan imbal hasil (return) yang optimum bagi bank/institusi keuangan tersebut.   OBJECTIVE

1. Memahami mekanisme pengembangan produk kredit konsumer
2. Mengetahui cara mengakuisisi nasabah
3. Memahami prinsip kerja credit scoring
4. Mendapatkan teknik-teknik untuk mengelola portofolio kredit konsumen
5. Mengetahui teknik dan strategi collection
6. Memahami cara menganalisa tingkat profitabilitas

OUTLINE 1. Planning Consumer Credit Products

• Selecting and attracting the target market, designing product terms and conditions
• Developing profit models for consumer lending products

2. Account Acquisition

• Screening and credit evaluation, avoiding negative selection
• Setting credit lines to meet profit goals

3. Credit Scoring Theory and Application

• Developing and implementing scores to meet business goals
• Monitoring and validation

4. Portfolio Maintenance

• Controlling the performance of accounts
• Testing programs for optimum implementation

5. Collections

• Developing a collection strategies : identifying low and high risk accounts, collection scoring, allocating internal and external resources
• Forecasting delinquency and write off

6. Secured Products : Mortgages (KPR) and Automobile Loans (KKB) and Unsecured Product : Personal Loan (KTA)

• Planning the product, screening techniques (underwriting process)
• Managing the portfolio

7. Profit Analysis

• Life time, single-loan profitability analysis, installment loans and revolving products
• Allocating revenue and cost by product and funding

METHOD TRAINING Presentation Discussion Case Study Evaluation   FACILITIES Training Kit Handout Certificate Lunch + 2x Coffee Break Souvenir Pick Up Participant (Yogyakarta)