Consumer loan decision procedure at IDLC finance credit risk management department

Abstract

This paper is a summary of my internship in the credit risk management department of IDLC Finance Limited and is intended to provide an overview of the company and my research topic “consumer Loan decision procedure at IDLC Finance credit risk management department”. In addition, the report investigates the financial condition of IDLC finance and discusses diverse business and operational verticals. Furthermore, the research identifies the loan decision procedure taken by IDLC Finance to assess the credit risk of the customer and the exposure of different groups to credit risk. Also, this report identifies which group of customer default more loans and what is the current loan portfolio status of IDLC finance limited.