CreditLab: Credit Cards

Credit card product design and portfolio management

Course Overview

Course Description

CreditLab: Credit Cards is a simulation-based training course designed to facilitate a deeper understanding of the credit life cycle for credit card business.

CreditLab: Credit Cards covers the credit card product in both a mature market and an emerging market, Credit Card Management trains participants on all parts of the credit life cycle, addressing topics such as, product design, underwriting, account management, collections management and fraud.

This multi-day training course is run in a classroom setting and transforms the learner into a player. In order to win the simulation game, players must successfully operate the most profitable virtual bank with the most satisfied customers. Each team has to demonstrate expertise in risk strategy, pricing and attrition strategy and collections management.

Learning Objectives


Explore consumer lending product design and how each element supports both customer value and long-term portfolio profitability.


Apply application and bureau score decisions in order to balance the risk-reward trade-off. Define the drivers and levers of portfolio profit and loss.


Apply behaviour scores to account management and collection decisions, such as pricing and collection severity.


Propose indicators that can be used to anticipate a downturn, and mitigation techniques that can be used.

The CreditLab: Credit Card Simulation

  • Repetition

    Players repeat strategic decisions in a variety of market conditions, reinforcing learning objectives.

  • Experimentation

    The simulation provides a safe virtual environment for players to test-drive portfolio management strategies.

  • Evaluation

    Players have the opportunity to evaluate and understand the outcome of their portfolio management decisions.

  • Retention

    “Learn by Doing” approach maximizies learning retention.

Client Testimonials

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