Lending & Credit
From underwriting to NPA — plus supply chain finance
Retail and MSME credit lifecycle spanning LOS vs LMS, bureau and CAM, pricing, EMI math, collections/NPA (India DPD), BNPL and working capital — culminating in an SCF deep-dive aligned to Capital XB–style factoring, PID, STBL, limits, drawdowns, and maker-checker.
6 lessons · ~88 min · 0% complete
- Lesson 1 · Foundations · Both
Retail Lending Lifecycle: LOS vs LMS
Separate origination from servicing — what lives in LOS, what lives in LMS, and how handoff failures create real P&L leaks.
12 min → - Lesson 2 · Practitioner · Both
Underwriting, Bureau, CAM & Pricing
Connect bureau signals, analytical CAM memos, and pricing into a coherent credit decision — including deviations and covenants.
16 min → - Lesson 3 · Practitioner · Both
Disbursement, EMI & Amortization
Book money out correctly, then understand how EMI splits principal and interest over time — including day-count quirks in discount products.
14 min → - Lesson 4 · Practitioner · India
Collections, NPA Buckets & Foreclosure
Operationalize delinquency with DPD buckets (India SMA/NPA intuition), collections playbooks, and foreclosure math customers actually understand.
15 min → - Lesson 5 · Practitioner · Both
BNPL, Personal Loans & MSME Working Capital
Compare high-velocity consumer credit products with MSME working-capital structures — when to use term loans vs lines vs payables/receivables finance.
13 min → - Lesson 6 · Advanced · Both
Supply Chain Finance: Factoring, PID, STBL & Controls
Apply Capital XB–style SCF LOS/LMS patterns — export/domestic factoring, purchase invoice discounting, STBL, limits/drawdowns, invoice groups, and maker-checker disbursements.
18 min →