Description
Course Name: Certificate in CIBIL Score
Course Id: CCS/Q0001.
Eligibility: 10+2 Grade (higher secondary) or Equivalent.
Objective: The Certificate in CIBIL Score course is designed to provide individuals with an understanding of CIBIL (Credit Information Bureau India Limited) scores, how they are calculated, and the role they play in the financial system. This course is valuable for individuals seeking to improve their creditworthiness, financial professionals who help clients with credit-related issues, and those looking to learn more about how credit scores impact personal and business finances.
Duration: 90 Hrs (Equivalent to 3 months).
How You will Get Diploma Certificate:
Step 1- Select your Course for Certification.
Step 2- Click on Enroll Now.
Step 3- Proceed to Enroll Now.
Step 4- Fill Your Billing Details and Proceed to Pay.
Step 5- You Will be Redirected to Payment Gateway, Pay Course and Exam Fee by Following Options.
Card(Debit/Credit), Wallet, Paytm, Net banking, UPI and Google pay.
Step 6-After Payment You will get Study Material Login id and Password on your email id.
Step 7- After Completion of Course Study give Online Examination.
Step 8- After Online Examination you will get Diploma Certificate soft copy(Scan Copy) and Hard Copy(Original With Seal and Sign).
Step 9- After Certification you will receive Prospect Job Opportunities as per your Interest Area.
Online Examination Detail:
Duration- 60 minutes.
No. of Questions- 30. (Multiple Choice Questions).
Maximum Marks- 100, Passing Marks- 40%.
There is no negative marking in this module.
| Marking System: | | |
| S.No. | No. of Questions | Marks Each Question | Total Marks |
| 1 | 10 | 5 | 50 |
| 2 | 5 | 4 | 20 |
| 3 | 5 | 3 | 15 |
| 4 | 5 | 2 | 10 |
| 5 | 5 | 1 | 5 |
| 30 | | 100 |
| How Students will be Graded: | |
| S.No. | Marks | Grade | |
| 1 | 91-100 | O (Outstanding) | |
| 2 | 81-90 | A+ (Excellent) | |
| 3 | 71-80 | A (Very Good) | |
| 4 | 61-70 | B (Good) | |
| 5 | 51-60 | C (Average) | |
| 6 | 40-50 | P (Pass) | |
| 7 | 0-40 | F (Fail) | |
| | | | | | |
Benefits of Certification:
- Government Authorized Assessment Agency Certification.
- Certificate Valid for Lifetime.
- Lifetime Verification of Certificate.
- Free Job Assistance as per your Interest Area.
Syllabus
Financial Statement Analysis: Introduction, financial accounting, meaning of financial statements, preparation of financial statements, analysis of financial statements and ratio analysis, understanding accounting equation, understanding relationship between constituents of financial statements, uses and limitations of ratio analysis.
Credit Monitoring: Credit monitoring pre sanction stage, post sanction pre disbursement stage, post sanction During disbursement stage, monitoring action plan, identifying incipient stress in the account, information technology (it), fraud risk on CBS, income earned by banks.
NPA Management: Introduction, non-performing assets: definition and classification, review of efficiency studies relating to banks in India, methodology, non-performing loans: some stylized facts, technical NPAs/ temporary deficiencies, early warning signals.
Credit Strategy: Introduction, establishing an appropriate credit risk environment, operating under a sound credit granting process, maintaining an appropriate credit administration, measurement and monitoring process, ensuring adequate controls over credit risk, the role of supervisors, fraud risk on CBS, income earned by banks.
Portfolio Management: Elements of investment, securities- risk and return, portfolio performance evaluation, fundamental analysis and valuation, technical analysis, market efficiency, market model capital market theory, elements of risk, portfolio analysis.
Credit Rating – Internal and External: Meaning of credit rating, how credit rating works, credit rating agency, characteristics of credit rating, functions/importance of credit rating, benefits of credit rating, benefits to investors, benefits to intermediaries, credit rating process.
Job Opportunities after completion of Certificate in CIBIL Score course:
Graduates of the Certificate in CIBIL Score Program are well-equipped to pursue a variety of careers related to credit scores, financial health, and risk management, particularly in the fields of banking, financial services, and credit advisory. The program typically covers the fundamentals of credit ratings, how CIBIL scores are calculated, their impact on loans and credit, and how individuals and businesses can improve their scores. Below are some of the career options and salary ranges for graduates in India:
1. Credit Analyst
Role: Analyze credit data and financial statements of individuals or companies to determine their creditworthiness. They use CIBIL scores and other financial indicators to assess risk and advise lending institutions. Salary Range: ₹4,00,000 – ₹12,00,000 per year (based on experience and the organization)
2. Credit Counselor
Role: Advise clients on managing their credit, improving their CIBIL scores, and guiding them on how to improve their chances of getting loans or credit cards. They may work for financial institutions, independent agencies, or as freelancers. Salary Range: ₹3,50,000 – ₹8,00,000 per year
3. Loan Officer (with a focus on CIBIL Scores)
Role: Work for banks or financial institutions to evaluate loan applications, specifically looking at CIBIL scores to assess creditworthiness. They advise applicants on improving their scores to increase the likelihood of loan approval. Salary Range: ₹4,50,000 – ₹10,00,000 per year
4. Risk Management Consultant
Role: Help banks and financial institutions assess the risk associated with lending to customers by evaluating their credit scores, financial history, and other factors. This can also extend to advising companies on their internal risk management practices. Salary Range: ₹7,00,000 – ₹18,00,000 per year
5. Financial Advisor (with expertise in Credit and CIBIL Scores)
Role: Provide clients with holistic financial advice, including improving their CIBIL scores, managing debt, planning for loans, and ensuring their financial health. Salary Range: ₹5,00,000 – ₹15,00,000 per year
6. CIBIL Score Consultant
Role: Specialize in advising clients on how to manage, understand, and improve their CIBIL scores. They may work with individuals or businesses looking to improve their credit ratings to secure loans. Salary Range: ₹4,00,000 – ₹9,00,000 per year
7. Debt Recovery Agent/Manager
Role: Work with banks or financial institutions to recover outstanding loans and manage delinquent accounts. CIBIL scores are often used to assess which customers are at risk of defaulting. Salary Range: ₹3,00,000 – ₹8,00,000 per year
8. Financial Analyst (with a focus on Credit and Debt)
Role: Analyze the financial standing of individuals or companies, using credit scores and other financial data to
provide insights on their ability to repay debts or secure new credit. They may work in credit departments of financial institutions or for consultancy firms advising on financial health. Salary Range: ₹5,00,000 – ₹12,00,000 per year
9. Collections Officer/Manager
Role: Manage collections for banks or financial institutions, ensuring customers pay their dues on time. They may use CIBIL scores to prioritize collections or determine the risk of non-payment. Salary Range: ₹3,50,000 – ₹7,00,000 per year
10. Credit Risk Officer
Role: Evaluate and manage the risk related to extending credit to customers or businesses. This role involves working closely with CIBIL scores and other credit data to assess the likelihood of repayment. Salary Range: ₹6,00,000 – ₹15,00,000 per year
11. Credit Portfolio Manager
Role: Oversee a portfolio of loans or credit facilities, ensuring the risk is properly managed. They use CIBIL scores to monitor and manage the quality of the credit portfolio. Salary Range: ₹8,00,000 – ₹20,00,000 per year
12. Banking Operations Specialist (Credit and CIBIL Focus)
Role: Manage the daily operations related to credit and loans in banks, focusing on processes involving CIBIL score checks, loan disbursements, and repayment tracking. Salary Range: ₹4,50,000 – ₹10,00,000 per year
13. Fraud Prevention Officer
Role: Monitor and detect fraudulent activities in lending processes, using CIBIL scores and other data to identify potentially risky or fraudulent loan applications. Salary Range: ₹5,00,000 – ₹12,00,000 per year
14. Financial Educator/Trainer (Credit & CIBIL Focus)
Role: Educate individuals or businesses on the importance of maintaining a good CIBIL score, managing credit responsibly, and understanding how credit impacts financial decisions. Salary Range: ₹4,00,000 – ₹9,00,000 per year
15. Business Development Manager (Financial Products)
Role: Develop and expand financial product offerings that are linked to credit scores, such as loans, credit cards, and insurance products. They help customers understand how their CIBIL score affects their access to these products. Salary Range: ₹6,00,000 – ₹15,00,000 per year
Factors Influencing Salary
- Experience: More experienced professionals can command higher salaries, especially in roles like Credit Risk Officer or Credit Portfolio Manager.
- Industry Sector: Financial institutions, banks, and fintech companies typically offer higher compensation compared to other sectors.
- Location: Jobs in cities like Mumbai, Delhi, Bengaluru, and Hyderabad generally offer higher salaries due to the concentration of financial firms and higher living costs.
- Certifications and Specialization: Holding certifications or having additional expertise in risk management, banking, or financial planning can boost salary potential.
Overall, the demand for professionals who understand CIBIL scores and credit risk management is high in India, with ample opportunities in banking, financial services, and credit consulting. The salary range can vary significantly based on the specific role, experience, and location.
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