Retail lending (RL) is witnessing significant growth, driven by propensity to consume rather than save and the prolonged slump in corporate lending on the supply side. The RL space offers opportunities to a range of players starting from banks to NBFCs including P2P lenders and fintechs who use and/or provide digital solutions for scaling up. Interestingly, the fintechs are both competing and collaborating with banks and NBFCs in this area. Given the rapid credit growth, unseasoned portfolios and use of technological solutions of recent origin, one needs to take cognizance of the associated risks as well. Given this, the banks and other intermediaries need to appreciate the retail space from both a business strategy and a risk perspective. This two day long CAFRAL Program seeks to bring together a good mix of such lenders on one platform which will facilitate a rounded learning through classroom lectures and discussions on range of aspects and issues associated with RL. This program meant for senior officers working in the retail banking/lending areas of banks, NBFCs and Financial Institutions also provides a unique opportunity for cross learning.
Some of the key topics to be covered in the Program are the following:
General Manager/ Deputy General Manager or officers of equivalent level from commercial banks including small finance banks and scheduled cooperative banks, NBFCs and Financial Institutions dealing with retail portfolio/business and related areas.