Credit Analysis & Lending Decision Mastery
Structure and adjudicate facilities that balance growth and risk.
The executive challenge
The problem this program solves
Fintech partnerships in credit analysis are signed faster than they are governed, and each one brings value and risk in the same signature. The credit analysis window does not stay open: rails, licences and customers consolidate around whoever moves first. You leave able to say what your institution should own, what it should partner and what it should exit in credit analysis — with the numbers to defend each.
Context
Why this matters now
Capability
What you will be able to do
- Read the economics of credit analysis like an operator: unit costs, network effects and risk-adjusted return.
- Present a credit analysis position to boards and supervisors with evidence they will accept.
- Diagnose where your institution creates — and destroys — value in credit analysis across the balance sheet.
- Stress-test credit analysis strategy against rate, FX and credit scenarios before the board or the supervisor does.
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 Partnership With Two Ledgers
A development finance institution has signed a fintech partnership in credit analysis: revenue is shared one way in the contract and recognised another way in the books, and the partner’s conduct is now a supervisory topic. Nobody has reconciled the two ledgers since launch.
Your decision: Renegotiate, ring-fence, or exit the credit analysis partnership — before the supervisor reconciles them for you.
IPAT Data Lab™
A a tier-two African bank cannot see where its book is quietly deteriorating.
Dataset: Synthetic loan-book panel for a tier-two African bank: 80,000 facilities across segments with vintage and behaviour data.
Your task: Segment the portfolio, find concentration and deterioration, and design the repricing and workout response.
A portfolio decision pack presented to the faculty credit committee.
Data → Analysis → Decision, not Data → Code → Certificate
Day 5 · The Capstone
What will you change when you return to work?
Produce a digital finance transformation strategy for your institution: where to play, what to own, which partnerships, and the regulatory posture required.
Methodology
Frameworks you will master
- • IPAT Decision Intelligence Framework™
- • IPAT Transformation Architecture™
- • Value-chain decomposition
- • Risk-adjusted performance measurement (RAROC)
- • Basel-aligned capital and liquidity concepts
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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