Description
Course Name: Diploma in Credit Management
Course Id: DCM/Q1001.
Eligibility: Completion of 10+2 (higher Secondary) or equivalent.
Objective:
Total Credits: 18.
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- 120 minutes.
- No. of Questions- 60. (Multiple Choice Questions).
- 10 Questions from each module, each carry 10 marks.
- Maximum Marks- 600, Passing Marks- 40%.
- There is no negative marking in this module.
| 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 | 41-50 | 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
Introduction to Credit Management: Liquidity, purpose of debt, fund based credit, non-fund based credit, credit appraisal process, advantages of a commercial loan, types of financial statements, cash flow analysis.
Legal Aspects of Credit Management: Introduction, arguments for and against the independent regulator, the unfolding debate, strategic goals of the commission.
Financial Accounting & Analysis: Introduction, objectives, definition of accounting, double entry system of financial accounting, financial statements, financial statements, financial statements, types of accounts, rules of debit and credit, elements of financial statements, profit and loss account, balance sheet, cash flow statement.
Credit Risk Assessment: Credit basics, credit basics, essentials of credit risk analysis, credit risk management, fundamental firm/obligor-level risks, external risks, industry risks, entity-level risks, financial risks, integrated view of firm-level risks, credit risks in project finance, credit risks in working capital, firm risks to portfolio risks and capital adequacy.
Credit Policies and Procedures: Introduction, operating under a sound credit granting process, maintaining an appropriate credit administration, measurement and monitoring process.
Business Credit Management: Introduction, analysis of credit, sources of credit data, characteristics of export credit sales, cash in advance.
A Diploma in Credit Management equips graduates with skills to assess creditworthiness, manage risks, and handle credit policies. It opens doors to careers in banks, financial institutions, NBFCs, and corporate finance departments. Below is a detailed overview of career options and salary ranges in India:
1. Credit Analyst
- Role: Evaluates loan applications, assesses creditworthiness, analyzes financial statements, and makes credit recommendations.
- Salary Range: ₹4 – ₹7 LPA (entry-level); ₹7 – ₹15 LPA (mid-level); ₹15 – ₹25 LPA (senior roles).
2. Credit Risk Manager
- Role: Identifies and mitigates risks associated with lending, sets credit policies, and ensures compliance with regulations.
- Salary Range: ₹6 – ₹10 LPA (entry-level); ₹10 – ₹20 LPA (mid-level); ₹20 – ₹30 LPA (senior roles).
3. Loan Officer
- Role: Reviews and processes loan applications, determines eligibility, and ensures timely disbursements.
- Salary Range: ₹3 – ₹6 LPA (entry-level); ₹6 – ₹12 LPA (mid-level).
4. Credit Controller
- Role: Monitors credit accounts, ensures timely repayments, and minimizes bad debts.
- Salary Range: ₹4 – ₹7 LPA (entry-level); ₹7 – ₹12 LPA (mid-level).
5. Relationship Manager (Credit)
- Role: Maintains relationships with borrowers, advises on credit products, and ensures customer satisfaction.
- Salary Range: ₹4 – ₹8 LPA (entry-level); ₹8 – ₹15 LPA (mid-level).
6. Risk Analyst (Credit)
- Role: Assesses credit risks, develops risk models, and provides data-driven insights to improve credit policies.
- Salary Range: ₹5 – ₹9 LPA (entry-level); ₹9 – ₹20 LPA (mid-level).
7. Debt Recovery Specialist
- Role: Manages overdue accounts, negotiates repayment plans, and ensures compliance with recovery laws.
- Salary Range: ₹3 – ₹6 LPA (entry-level); ₹6 – ₹10 LPA (mid-level).
8. Banking Operations Executive
- Role: Supports credit operations, ensures compliance, and handles documentation for credit approvals.
- Salary Range: ₹3 – ₹5 LPA (entry-level); ₹5 – ₹9 LPA (mid-level).
9. Financial Analyst
- Role: Analyzes financial data to assess credit performance, market trends, and risk exposure.
- Salary Range: ₹4 – ₹8 LPA (entry-level); ₹8 – ₹15 LPA (mid-level).
10. Collections Manager
- Role: Oversees collection activities, ensures effective communication with borrowers, and reduces delinquency rates.
- Salary Range: ₹4 – ₹8 LPA (entry-level); ₹8 – ₹15 LPA (mid-level).
11. Compliance Officer (Credit)
- Role: Ensures that credit operations align with regulatory guidelines, anti-money laundering laws, and internal policies.
- Salary Range: ₹4 – ₹8 LPA (entry-level); ₹8 – ₹18 LPA (mid-level and senior roles).
12. Corporate Credit Manager
- Role: Manages credit facilities for corporate clients, assesses their financial health, and ensures timely repayments.
- Salary Range: ₹6 – ₹12 LPA (entry-level); ₹12 – ₹25 LPA (senior roles).
13. Credit Monitoring Executive
- Role: Tracks borrower accounts to ensure adherence to repayment schedules and identifies early signs of default.
- Salary Range: ₹3.5 – ₹6 LPA (entry-level); ₹6 – ₹10 LPA (mid-level).
14. Portfolio Manager (Credit)
- Role: Manages a portfolio of credit accounts, ensures optimal returns, and mitigates risks.
- Salary Range: ₹5 – ₹10 LPA (entry-level); ₹10 – ₹20 LPA (mid-level).
15. Entrepreneur (Credit Consultancy)
- Role: Establishes a consultancy to help businesses and individuals manage credit, improve scores, and secure loans.
- Income Potential: Varies widely; ₹5 LPA to ₹50 LPA or more based on clientele and services offered.
Key Factors Influencing Salaries:
- Institution Size: Salaries in multinational banks and large NBFCs are typically higher than in smaller institutions.
- Certifications: Additional qualifications such as CAIIB, CFA, or risk management certifications enhance career prospects.
- Location: Metro cities and financial hubs like Mumbai, Bangalore, and Delhi offer higher salaries.
- Experience: Senior professionals and specialists earn significantly more due to expertise and proven track records.
Emerging Trends:
- Digital Credit Management: Growth in fintech has created opportunities for professionals skilled in digital lending platforms.
- Data-Driven Risk Assessment: Increasing reliance on data analytics and AI in credit risk evaluation.
- Sustainable Financing: Growing focus on ESG (Environmental, Social, and Governance) credit products.
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