Products Design and Development

Course details

This course provides participants with the variety of skills needed to design and deliver retail banking products and services. The course also covers the risks in retail banking, different approaches to risk management, including credit scoring techniques, and working with problematic loans.

Course Description:

This course provides participants with the variety of skills needed to design and deliver retail banking products and services. The course also covers the risks in retail banking, different approaches to risk management, including credit scoring techniques, and working with problematic loans.

Course Objectives:

• Explain why retail banking is taking over the market share of the corporate banking.
• Learn the methodologies of designing and developing retail banking products and services.
• Describe the various service delivery channels and E-banking products.
• Explain Launch technique of new retail banking products and services.
• Explain risk assessment and credit scoring techniques.
• Explain non-performing loans, the obligor risk rating and required provisions.

Course Outline:

Module 1: Introduction to Retail Banking

• Why retail banking is taking over market share from Corporate Banking
• Why retail banking is an enormous profit maker
• The need to change from product driven to custom driven
• The new marketing concepts

Module 2: Design of Retail Banking Products and Services

• The need to understand what customer wants
• Designing a “Retail Banking Product /Service”

Module 3: RetailBanking Delivery Channels

• Launch a retail banking product or service
• Which retail banking and delivery channel do we choose?
• International trend for branch modeling

Module 4: Launching a Product and Different Types of Banckcards

• Launch a retail banking product or service
• The different E-banking products
• Bankcard operations
• The phases of the customer acquisition cycle

Module 5: Risk Assessment and Credit Scoring Techniques

• Credit scoring and its derivation
• The concept of risk and risk evaluation methods
• Building credit scoring tables
• Analyze risk and assess creditworthiness / limits
• Debt burden calculations

Module 6: Non-performing Loans and Retail Loan Portfolio Management

• Marginalized income and non performing retail loan
• Non-performing loans, “the obligor risk rating and required provisions
• Collection and recovery
• Interest calculation and Installment Types

Assessment Strategy:

Participants will be informally assessed on their interaction during sessions and their participation in exercises.