Description
Course Name: Diploma in Credit Management
Course Id: DCM/Q1001.
Eligibility: Completion of 10+2 (higher Secondary) or equivalent.
Objective: The Diploma in Credit Management is a highly relevant program in today’s financial landscape, where effective credit management is critical for the success of businesses and financial institutions. This course prepares individuals to excel in roles that require strong analytical, risk management, and decision-making skills, making it a valuable asset for aspiring finance professionals.
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
Introduction to Credit Management: Definition & Importance of Credit Management, Types of Credit (Personal, Business, Secured, Unsecured), Credit Risk & Its Impact on Businesses, Role of Credit Management in Financial Institutions, Credit Policies & Procedures, Principles of Responsible Lending, Credit Cycle & Its Stages, Credit Bureau & Credit Reporting Agencies, Regulatory Framework in Credit Management, Case Studies on Effective Credit Management Practices.
Credit Risk Assessment & Analysis: Credit Risk Definition & Types, Factors Affecting Creditworthiness, Credit Rating & Scoring Models, Financial Statement Analysis for Credit Evaluation, Ratio Analysis for Credit Decision-Making, Credit Risk Models & Forecasting Techniques, Industry & Market Analysis in Credit Risk Assessment, KYC (Know Your Customer) & AML (Anti-Money Laundering) Guidelines, Role of Big Data & AI in Credit Risk Analysis, Case Studies on Credit Risk Failures & Best Practices.
Credit Policy & Decision-Making: Objectives & Importance of Credit Policies, Components of an Effective Credit Policy, Credit Approval Process & Procedures, Loan Structuring & Terms of Credit, Credit Limits & Exposure Management, Role of Credit Committees in Decision-Making, Credit Scoring vs. Judgmental Credit Assessment, Best Practices in Credit Underwriting, Regulatory Compliance & Legal Aspects in Credit Policy, Case Studies on Credit Policy Formulation.
Credit Documentation & Legal Framework: Types of Credit Agreements & Loan Contracts, Essential Clauses in Credit Agreements, Legal Rights & Obligations of Lenders & Borrowers, Collateral Management & Documentation, Guarantees & Sureties in Credit Transactions, Bankruptcy & Insolvency Laws, Legal Remedies for Credit Defaults, Loan Fraud Detection & Prevention, International Credit Laws & Practices, Case Studies on Credit Litigation & Recovery.
Corporate Credit & Commercial Lending: Introduction to Corporate Credit, Business Loan Application & Evaluation, Working Capital Financing & Credit Facilities, Credit Risk Assessment for SMEs & Large Corporates, Project Financing & Infrastructure Lending, Credit Terms & Conditions for Business Loans, Role of Syndicated Loans in Corporate Finance, Credit Monitoring & Review for Businesses, Impact of Economic Cycles on Corporate Credit, Case Studies on Corporate Credit Defaults & Restructuring.
Consumer Credit & Retail Lending: Introduction to Consumer Credit, Types of Consumer Loans (Personal Loans, Auto Loans, Credit Cards, Mortgages), Credit Application & Approval Process, Creditworthiness & Consumer Credit Scoring, Consumer Protection Laws & Regulations, Managing Over-Indebtedness & Credit Counseling, Credit Card Risk Management, Loan Restructuring & Repayment Plans, Fintech & Digital Lending Trends, Case Studies on Consumer Credit Growth & Defaults.
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.