Credit Underwriting For P2P Customer (Personal/UMKM)	

Certificate of completion (supplied by PasarTrainer)

Training Material

* The understanding of applicant identification, character, and capacity analysis
* The purpose of each point


This module explain about important points for analyze P2P segment customer


Module 1. Manual underwriting process

* Discussion regarding loan application information


Participants are asked to classify the information from the loan application, and classify it based on the underwriting process


Case Study 

* Profession verification method
* Income Document verification


This module explains how to underwrite employee customer


Module 2. Manual underwriting process for employee

* Identify originality of income document


Sample case: Credit analysis of employee customer


 Case Study

* Business  verification method
* Income Document verification


Module 3. Manual underwriting process for employer

Sample case: Credit analysis of employer customer


Case Study

* Calculate customer's capacity
* Credit score parameter


This module explains some method to measure customer capacity and give a general explanation regarding credit score parameter


Module 4. Capacity Measurement and Credit Score

As one of the Non-Bank Institutions (INKB), P2P become an alternative for people to get credit facilities, especially for unbankable people. Unbankable people usually come from the micro-segment, and it's become challenging for the P2P platform since UMKM especially the micro business segment needs a different approach to underwrite compared with employee people.

Since P2P platforms usually have unsecured loan products with the fastest credit process, then P2P credit analysis has the challenge to underwrite their applicant.
There are 3 things that P2P credit analysts must understand when performing credit analysis for the loan application:
1. Identify the applicant
2. Analyze the applicant's character
3. Analyze the applicant's capacity

Program Objective
1. Understand how to verify the applicant's profession
2. Measure applicant capacity
3. Analyze creditworthiness for UMKM
4. Identify credit parameters that can be used to build credit scores	
