Cibil (Consumer & Commercial) Report Analysis Masterclass

Build expertise to spot red flags, assess credit behavior, and protect your career from staff accountability and penalty

What you'll learn

Read and interpret consumer & commercial CIBIL/CMR reports end-to-end, beyond just the score.

Lower staff-accountability risk with a standardized CIBIL analysis workflow and audit-ready documentation.

Decode DPD grids, utilization, enquiries & guarantees to judge behavioural risk and repayment capacity.

Spot red flags—settlements, write-offs, restructuring, over-utilization, enquiry spikes (credit hunger).

Evaluate WC/term-loan health via CreditVision metrics & asset class (STD/SMA/NPA) for true stress.

Write a defendable credit note summarising risk, collateral comfort & sanction conditions for committees.

Apply skills on live case studies to decide approve/decline, set covenants & monitoring actions.

Requirements

Ideal for bankers, NBFC professionals, credit analysts, or finance students. Basic knowledge of lending will be useful but not mandatory.

Description

Every year, hundreds of Bankers, NBFC professionals & Credit Managers face suspensions, disciplinary actions, and audit queries. Do you know the biggest reason? Wrong lending decisions primarily due to poor CIBIL analysis.Most officers stop at the score. Some only look at overdue. But hidden inside every CIBIL report are red flags, repayment patterns, and behavioral signals that can make or break your career.That’s why I designed this CIBIL Analysis Masterclass- a complete, step-by-step training program where you’ll not just “read” reports, but decode them like a seasoned Loan & Advances Officer or Credit Manager.In this course, you will:Understand the foundations of credit scores and how they are calculated.Learn how to interpret DPD grids, enquiries, guarantor exposures, and utilization ratios.Spot hidden red flags—settlements, write-offs, COVID restructurings, credit-hungry behavior.Practice with real consumer and commercial CIBIL case studies (step-by-step analysis).Build the confidence to defend your credit note in front of committees, auditors, and vigilance teams.By the end of this course, you’ll have a career shield -the ability to identify risks early, safeguard your portfolio, and protect yourself from suspensions, audit penalties, and accountability cases.So, if you are a Banker, NBFC professional or Credit Officer or finance preparing for JAIIB/CAIIB or promotion interviews—this masterclass is your ultimate toolkit to master CIBIL analysis and grow fearlessly in your career.

Overview

Section 1: Introduction

Lecture 1 Introduction

Section 2: Foundations of Credit Scores & CIBIL Reports (Basics)

Lecture 2 Foundations of Credit Scores & CIBIL Reports (Basics)

Section 3: Deep Dive into Score Calculation & CIBIL Consumer Report Sections

Lecture 3 Deep Dive into Score Calculation & CIBIL Consumer Report Sections

Section 4: Spotting Red Flags & Hidden Patterns in CIBIL Reports

Lecture 4 Spotting Red Flags & Hidden Patterns in CIBIL Reports

Section 5: Advanced Tools – CRILC, Deduplication & Cross-Checks

Lecture 5 Advanced Tools – CRILC, Deduplication & Cross-Checks

Section 6: Commerical CIBIL Report Analysis

Lecture 6 Commerical CIBIL Report Analysis

Section 7: Case Study-Consumer CIBIL

Lecture 7 Case Study-Consumer CIBIL

Section 8: Case Study-Commercial CIBIL

Lecture 8 Case Study-Commercial CIBIL

Bankers, NBFC professionals, and credit officers seeking to master consumer & commercial CIBIL analysis.,Students preparing for JAIIB, CAIIB, or credit appraisal roles who want practical CIBIL case study training.,Finance professionals aiming to improve risk analysis, loan appraisal, and audit-proof decision-making skills.,Anyone curious about decoding credit scores, spotting hidden red flags, and making smarter lending decisions.