Description
Course Name: Professional Diploma in Credit & Loan Management
Course Id: PDCLM/Q1001
Eligibility: 10+2(higher Secondary) or equivalent.
Objective: The Professional Diploma in Hydroponics & Urban Farming aims to equip learners with comprehensive knowledge and practical skills required to design, establish, and manage soilless farming systems in urban and peri-urban environments.The course focuses on understanding the scientific principles of hydroponics, including plant nutrition, water and nutrient management, and controlled environment agriculture. Learners gain hands-on experience in different hydroponic systems such as NFT (Nutrient Film Technique), DWC (Deep Water Culture), drip systems, and aeroponics.
Duration: Six Months.
How to Enroll and Get Certified in Your Chosen Course:
Step 1: Choose the course you wish to get certified in.
Step 2: Click on the “Enroll Now” button.
Step 3: Proceed with the enrollment process.
Step 4: Enter your billing details and continue to course fee payment.
Step 5: You will be redirected to the payment gateway. Pay the course and exam fee using one of the following methods:
Debit/Credit Card, Wallet, Paytm, Net Banking, UPI, or Google Pay.
Step 6: After successful payment, you will receive your study material login ID and password via email within 48 hours of fee payment.
Step 7: Once you complete the course, take the online examination.
Step 8: Upon passing the examination, you will receive:
• A soft copy (scanned) of your certificate via email within 7 days of examination.
• A hard copy (original with official seal and signature) sent to your address within 45 day of declaration of result.
Step 9: After certification, you will be offered job opportunities aligned with your area of interest.
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) |
Key Benefits of Certification- Earning a professional certification not only validates your skills but also enhances your employability. Here are the major benefits you gain:
Practical, Job-Ready Skills – Our certifications are designed to equip you with real-world, hands-on skills that match current industry demands — helping you become employment-ready from day one.
Lifetime Validity – Your certification is valid for a lifetime — no renewals or expirations. It serves as a permanent proof of your skills and training.
Lifetime Certificate Verification – Employers and institutions can verify your certification anytime through a secure and reliable verification system — adding credibility to your qualifications.
Industry-Aligned Certification –All certifications are developed in consultation with industry experts to ensure that what you learn is current, relevant, and aligned with market needs.
Preferred by Employers – Candidates from ISO-certified institutes are often prioritized by recruiters due to their exposure to standardized, high-quality training.
Free Job Assistance Based on Your Career Interests – Receive personalized job assistance and career guidance in your preferred domain, helping you land the right role faster.
Syllabus
Module 1: Fundamentals of Credit & Loan Management: Introduction to Credit Management, Fundamentals of Lending Operations, Banking and Financial Services Overview, Types of Credit and Loan Products, Principles of Credit Risk Management, Loan Lifecycle Management, Credit Policies and Procedures, Banking Regulations and Compliance, Ethics and Professional Conduct, Emerging Trends in Credit and Lending
Module 2: Credit Assessment and Loan Processing: Customer Onboarding Procedures, Know Your Customer (KYC) Requirements, Customer Due Diligence (CDD), Credit Appraisal Techniques, Credit Score Analysis, Income and Financial Statement Assessment, Loan Eligibility Evaluation, Loan Documentation Procedures, Loan Sanction and Disbursement Process, Loan File Management
Module 3: Loan Portfolio and Risk Management: Retail Loan Management, Business and MSME Loan Management, Secured and Unsecured Lending, Working Capital Financing Basics, Credit Risk Assessment, Collateral Evaluation, Portfolio Diversification, Non-Performing Assets (NPA) Management, Loan Monitoring and Review, Risk Mitigation Strategies
Module 4: Recovery, Collections and Regulatory Compliance: Loan Repayment Management, Collection Strategies, Recovery Process Management, Restructuring and Settlement Concepts, Fraud Detection and Prevention, Anti-Money Laundering (AML) Fundamentals, Regulatory Reporting Requirements, Operational Risk Management, Customer Grievance Handling, Compliance Audits and Documentation
Module 5: Digital Lending and Financial Technologies: Digital Lending Platforms, Loan Origination Systems (LOS), Loan Management Systems (LMS), Artificial Intelligence in Credit Assessment, FinTech Applications in Lending, Business Intelligence Dashboards, Credit Data Analytics, Process Automation in Lending, Cybersecurity in Digital Lending, Performance Monitoring and Reporting
Module 6: Strategic Credit Management and Professional Practice: Credit Strategy Development, Financial Planning and Profitability Analysis, Leadership and Team Management, Project Management in Lending Operations, Customer Relationship Management (CRM), Sustainable and Responsible Lending Practices, Emerging Technologies in Credit Management, Future Trends in Digital Lending, Capstone Project in Credit & Loan Management, Career Development and Professional Practice
