JUMOQ Learning · Expected Credit Loss (ECL)

Management Overlays, Governance, Audit and Regulatory Defence

Evaluate management overlays and defend ECL governance to audit and regulatory stakeholders.

ECL-A04Advanced

Course director: Venkata Subramani Ramachandra

4 hr 19 minFull study estimate

Full study estimate: 4 hr 19 min

Self-paced estimates for one pass through the course. Practical work includes activities, assignments and resource study. Your pace may vary; breaks and repeat attempts are extra. All course and certificate requirements still apply.

Inside this course

Select a topic to see its lessons, videos, practice activities and resources.

Course orientation

Downloadable resourceCourse Overview
VideoAdvanced ECL Orientation - Design, Challenge and Defend

Diagnose the Overlay Before You Quantify It

LessonDiagnose the Overlay Before You Quantify It
QuizKnowledge Check - Diagnose the Overlay Before You Quantify It

Quantify Incremental ECL and Prevent Double Counting

LessonQuantify Incremental ECL and Prevent Double Counting
VideoWhen an Overlay Is Legitimate - and When It Masks Model Failure
QuizKnowledge Check - Quantify Incremental ECL and Prevent Double Counting
Decision MissionOverlay Committee Under Challenge - Approve, Amend, Defer or Reject

Design the Overlay Governance Lifecycle

LessonDesign the Overlay Governance Lifecycle
VideoQuantify the Residual without Double Counting
QuizKnowledge Check - Design the Overlay Governance Lifecycle
Practice LabOverlay Close Lab - From Gross Proposal to Reported ECL
Impact SimulatorOverlay Residual, Overlap and Governance Sensitivity Simulator

Build an Auditor-Ready Evidence File

LessonBuild an Auditor-Ready Evidence File
QuizKnowledge Check - Build an Auditor-Ready Evidence File
Case QuestEvidence Room - The Hidden INR 2.20 Crore Double Count

Defend the Overlay to Regulators and Drive Remediation

LessonDefend the Overlay to Regulators and Drive Remediation
VideoDefend the Overlay through Governance, Audit and Regulatory Challenge
QuizKnowledge Check - Defend the Overlay to Regulators and Drive Remediation
Roleplay StudioAudit and Regulatory Defence - Explain the INR 13.00 Crore Overlay
AssignmentOverlay Committee Paper and Defence Pack
Downloadable resourceECL Reference Glossary and Checklist
Downloadable resourceOverlay Governance Dataset and Model Pack

Final Assessment

QuizFinal Assessment - Management Overlays, Governance, Audit and Regulatory Defence

Certificate

CertificateCertificate of completionUnlocks after every quiz is completed at its required pass mark and all course requirements are complete.

Checking current course access…