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Credit Risk Management for Banking & Fintech
Rating: 4.4 out of 5(28 ratings)
957 students

Credit Risk Management for Banking & Fintech

Master credit risk management
Created byRekha Kumari
Last updated 4/2026
English
English [Auto],

What you'll learn

  • Understand credit risk objectives, the 5Cs of credit, and how to evaluate borrower creditworthiness effectively.
  • Apply collateral assessment and covenant negotiation techniques to mitigate lending risks.
  • Use key credit risk metrics (RAROC, RORWA, CAPM, PD/LGD/EAD) to measure and manage risk
  • Credit risk management and mitigation

Course content

5 sections • 15 lectures • 1h 20m total length

  • What is credit risk management ?5:45

    Learn the fundamentals of credit risk management, assess borrower creditworthiness, identify default and related risks, and apply tools like ratio and cash flow analysis for smarter lending decisions.

  • Types of credit risk5:24

    Explore the types of credit risk: default, recovery, spread, concentration, correlation, and currency induced risk; and identify how lending, guarantees, derivatives, cross-border activities, and collateral value drive exposure.

  • Importance of policies of credit risk management ?2:06

    Effective credit risk management underpins bank stability by reducing shocks, addressing NPAs, and ensuring Basel II/III compliance and capital adequacy to optimize risk-return.

  • Credit risk management policies4:16

    Credit risk management policies guide banks with internal and external guidelines, governance, risk identification standards, due diligence, and hedging for financial stability.

Requirements

  • No prior experience required. Basic familiarity with financial statements and Excel/Google Sheets is helpful but not mandatory.

Description

Credit risk is the backbone of every lending and investment decision. Yet most professionals struggle to move beyond theory into practical application. This course bridges that gap.

You’ll learn how to evaluate borrowers using the 5 Cs of Credit, assess collateral quality, negotiate covenants, and apply advanced tools like RAROC, RORWA, PD/LGD/EAD, and CAPM. We’ll also cover portfolio diversification, structured credit, and counterparty risk—plus the global Basel Accords that shape modern banking.

Through step-by-step lessons, real case studies, and downloadable templates, you’ll gain the confidence to present credit recommendations to committees, price loans correctly, and safeguard profitability while staying compliant with regulatory frameworks.

By the end of this course, you will be able to:

  • Analyze financial ratios and cash flow to detect borrower red flags

  • Structure covenants and collateral to mitigate risk

  • Calculate risk-adjusted returns with RAROC and RORWA

  • Understand Basel III/IV capital requirements and their impact on banks

  • Present a professional credit memo with confidence

Whether you’re a student, junior analyst, banker, or fintech founder, this course will equip you with job-ready credit risk skills.

If you lend, invest, or ship fintech products—credit risk is the one mistake you can’t afford.

Enroll now and transform the way you understand and manage credit risk.

Who this course is for:

  • Students, banking professionals, fintech founders, and aspiring credit analysts who want practical skills in credit risk management and Basel frameworks.

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