Buy-Now-Pay-Later: Design, Risk & Regulation
Offer instalment credit without importing the sector's failure modes.
The executive challenge
The problem this program solves
Your buy-now-pay-later controls were designed for a threat landscape that has since moved on — and the board is being assured on yesterday's map. Reputations built over decades are spent in the first week of an unmanaged buy-now-pay-later event. The programme teaches risk as the price of strategy: how to price buy-now-pay-later into capital, operations and growth decisions instead of filing it away.
Context
Why this matters now
Capability
What you will be able to do
- Design a buy-now-pay-later risk architecture that anticipates rather than documents.
- Build buy-now-pay-later resilience: continuity, recovery and the capacity to absorb shocks.
- Price buy-now-pay-later risk into strategy, capital and operating decisions.
- Report buy-now-pay-later to the board in a way that informs decisions rather than reassures them.
The IPAT Course Standard
The five-day journey
Each day is a deliberate progression in managerial capability — from strategic context, to analytical frameworks, to applied practice, to executive judgement under pressure, to a capstone that produces something your organisation keeps.
IPAT Signature Case™
The Trader Who Offered to Win It Back
A star dealer at a port authority has concealed mounting buy-now-pay-later losses through fictitious confirmations. The hole now threatens a quarter’s earnings; audit is close, and the dealer proposes a win-back plan.
Your decision: Decide exposure, escalation and sequence: what the board, the regulator and the market hear — and in what order.
IPAT Data Lab™
The buy-now-pay-later incidents at a mining group are individually small and collectively serious — and no one has connected them.
Dataset: Synthetic multi-year incident, near-miss and control data for a mining group.
Your task: Build the heat map, test the tolerances, and write the 4 a.m. command card for the top exposure.
A buy-now-pay-later heat map, impact tolerances and an incident command card.
Data → Analysis → Decision, not Data → Code → Certificate
Day 5 · The Capstone
What will you change when you return to work?
Produce an enterprise risk and resilience blueprint for your institution: appetite, architecture, incident readiness and the investment sequence.
Methodology
Frameworks you will master
- • IPAT Decision Intelligence Framework™
- • IPAT Transformation Architecture™
- • Enterprise risk management (COSO ERM lineage)
- • Three lines of defence
- • Business continuity standards (ISO 22301-aligned)
Cohorts
Upcoming cohorts
New dates are being scheduled
Register with your preferred start date and our admissions team will match you to the next available cohort — or contact us to arrange an in-house delivery for your organisation.
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