Associate International Retail Banker

In level II, the Associate International Retail Banker training programme, candidates are introduced to the management functions of retail banks. You will learn best practice in how to operate a retail bank in challenging environments. It builds on the knowledge gained in the foundation programme Affiliate International Retail Banker.

The Associate retail banking qualification provides retail management training for candidates whose job is to help transform the bank to make it future proof for 2030. Candidates learn to develop best practices in customer segmentation and profitable propositions, leading to highly personalised offerings for customers.

This helps to improve customer service, and helps banks build on their competitive advantage as regulated and trusted institutions. With a bank's unique access to customer data, this helps a bank provide customers access to faster payments services and a range of exciting new financial services, by acting on real-time data. Well-managed data gives banks an advantage.

Our new modules on AI, data and analytics deepen employee understanding of how to deliver new revenue and to make the bank more efficient, flexible, and customer-centred. The programme trains candidates to operate in an increasingly digital world and teaches them how to understand the fintech journey and how to successfully implement partnerships with fintechs. We help candidates change the bank to offer new digital revenue streams – for both branch and digital customers.

Candidates learn about best practice and successful innovation from the best retail banks across the world with up-to-date case studies and knowledge drawn from our Retail Banking Councils.

On completing the programme, candidates will be able to understand the principles of managing risk, finances, people, and portfolios, along with the functions of collection and recovery. In this level candidates will also learn the business models of fintech businesses, and the partnership ecosystem.

The material covered in level II includes:

Advanced Customer Management
Operating in a Customer-Centric Way, Customer Data, Turning Customer Data into an Asset, Customer Relationship Management, A Single View of the Customer, Segmentation and Targeting Customers, Measuring and Improving Performance.

AI, Data & Analytics
The Evolution of AI, How AI works, From Neural Networks to Small Language Models, Types of AI, Key Concepts in AI, AI and Business Today, and The future of AI.

Micro, Small and Medium Business Banking
Understanding MSMEs, MSME Contributions to Employment and the Economy, MSME Risks, and Reasons for High Failure Rates, Five Stages of the Business Life Cycle, Banks' Role in Supporting MSMEs, Practical Skills for Engaging MSMEs, the MSME Gold Dust.

The Fintech Revolution
What is a Fintech?, Fintechs & Digital Banks, Building a Fintech, Important Aspects in Building, Launch and Growth, Performance Management, Risk & Operations, Delivering Customer-Centricity, Types of Fintechs, White Labelling.

Fintech Journeys
Fintech Drivers, Banking Fintech, Regulatory Changes, Targeting Banking Sector Pain Points, Types of Banking Fintech, Banking Fintech Service Models, Insurtech, Wealthtech, The Impact on Financial Services.

Advanced Operations
The Target Operating Model, Building for a Digital Future, Building a Data-Driven Bank, Customer Data Management, Managing Programmes and Projects, Measuring and Improving Performance, Building a Modern Retail Bank.

People Management
Managing People in a Retail Bank, The Five Important Aspects of People Management, Training, Motivation and Job Rotation, Managing by Objectives, Exiting an Employee, Steps in the Exiting of a Professional.

Managing the Product Portfolio
Product Development, Important Stages of Development, Managing Products & Services, Objectives, Delivering the Promise, Setting Goals, Data for Tracking Performance, Why Less is More.

Collections and Recovery
Lessons include: The Underwriting Process, The Impact of Delinquency, the Collections and Recover Framework, Collection Ruler, Policies, Negotiation and Approach, Technology and Tools, Data & Analytics, Trends & Innovations, Using an Agency, Selling the Debt, Bad Debt Provisions.

Retail Credit Risk Management II
Retail Credit Risk Strategy, Managing Credit Risk, Consumer Default Models, SME Default Models, NPL Default Impact on a Bank, Credit Scoring, Criteria Based Lending, Judgemental Scoring, Behavioural Scoring, Technology, Data and Analytics in Credit Risk Assessment, Loan Fraud Detection and Technology, Risk Weighted Assets, Pricing Risk, or Risk-Based Pricing, Provisions: Calculations and Reporting, Strategies for Improving Credit Risk Management.

For group participants, the programme can be supplemented by weekly tutorials presented by our specialist tutors.