Credit Underwriting for the Unbanked

This specialized course addresses the methodological challenges of **Credit Underwriting for the Unbanked** and financially excluded populations who lack traditional credit histories and formal documentation. It explores innovative, alternative data sources and scoring techniques, such as psychometric testing, utility payment history, and geospatial data, while ensuring compliance with Fair Lending and anti-discrimination laws. Participants will learn how to design inclusive credit products, manage the higher default risk through tailored methodologies (e.g., group lending), and leverage technology for scalable, yet responsible, digital credit scoring.