CreditLab

Consumer lending portfolio management through the life cycle

Course Overview

Course Description

CreditLab is an award winning simulation-based training course designed to develop sharper portfolio management skills and a deeper understanding of the consumer credit lifecycle.

Risk vs. Reward: it’s a simple concept, but it is not easy to strike the right balance. It’s critical that professionals get this right. However, with changing environments and long time frames for losses to emerge, it is difficult to detect the impact of our decisions. Simulation- based learning is a powerful tool to help bankers improve their skill set.

CreditLab provides a rigorous exploration of the credit cycle, focusing on topics such as product design, underwriting, account management, and portfolio monitoring. Each day, teams must test drive their technical expertise of risk strategy, capacity planning and collections management in a simulation game. In order to win, players must successfully operate the most profitable virtual bank with the most satisfied customers.

Learning Objectives

EXPLORE

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

APPLY

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

SCORES

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

PROPOSE

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

The CreditLab 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.

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