Learn Credit risk modelling Online: Free Course with AI Tutor & Certificate
Banks need to know if a borrower will default before approving a loan. This free credit risk modelling course teaches you how to predict that. In just 1 hour across 11 modules and 55 video lessons, you'll learn everything from data collection to probability of default modelling.
Credit risk modelling course syllabus
01 Introduction to Credit Risk
- Understanding Credit Risk
- Importance of Credit Risk Management
- Key Concepts and Terminology
- Overview of Credit Risk Modelling
- Key Components of Credit Risk Modelling
02 Data Collection and Preparation
- Types of Data in Credit Risk Modelling
- Data Sources and Collection Methods
- Data Cleaning and Preprocessing
- Handling Missing Data
03 Exploratory Data Analysis
- Descriptive Statistics for Credit Data
- Visualizing Credit Data
- Identifying Patterns and Trends
- Correlation Analysis
04 Credit Scoring Models
- Introduction to Credit Scoring
- Logistic Regression for Credit Scoring
- Decision Trees in Credit Scoring
- Evaluating Credit Scoring Models
05 Probability of Default (PD) Modelling
- Understanding Probability of Default
- Building PD Models
- Validation of PD Models
- Application of PD Models in Risk Management
06 Loss Given Default (LGD) and Exposure at Default (EAD)
- Introduction to LGD and EAD
- Modelling LGD
- Modelling EAD
- Integrating LGD and EAD in Risk Assessment
07 Stress Testing and Scenario Analysis
- Importance of Stress Testing
- Designing Stress Test Scenarios
- Implementing Stress Tests
- Analyzing Stress Test Results
08 Regulatory Frameworks and Compliance
- Overview of Regulatory Requirements
- Basel Accords and Credit Risk
- Compliance in Credit Risk Modelling
- Impact of Regulations on Modelling Practices
09 Machine Learning in Credit Risk Modelling
- Introduction to Machine Learning Techniques
- Supervised Learning for Credit Risk
- Unsupervised Learning Applications
- Comparing Traditional and Machine Learning Models
10 Model Validation and Backtesting
- 1 Importance of Model Validation
- 1.1 Role of Model Validation in Risk Management|Explains the critical role of model validation in ensuring the accuracy and reliability of credit risk models.
- 1.2 Regulatory Expectations for Model Validation|Describes the regulatory expectations and guidelines for model validation in the financial industry.
- 1.3 Components of a Comprehensive Model Validation Framework|Outlines the components of a robust model validation framework, including governance, testing, and documentation.
- 2 Techniques for Model Validation
- 2.1 Quantitative and Qualitative Validation Techniques|Introduces both quantitative and qualitative techniques for validating credit risk models.
- 2.2 Model Performance Metrics and Benchmarks|Describes various performance metrics and benchmarks used in model validation.
- 2.3 Model Validation Best Practices|Discusses best practices for conducting thorough and effective model validations.
- 3 Backtesting Credit Risk Models
- 3.1 Concept and Importance of Backtesting|Explains the concept of backtesting and its importance in assessing model performance over time.
- 3.2 Backtesting Methodologies|Introduces different methodologies for backtesting credit risk models.
- 3.3 Interpreting Backtesting Results|Describes how to interpret backtesting results and what actions to take based on those findings.
- 4 Continuous Model Improvement
- 4.1 Feedback Loops and Model Refinement|Discusses the importance of feedback loops in the continuous improvement of credit risk models.
- 4.2 Updating Models in Response to Changing Conditions|Explains how to update models in response to changes in the economic environment or portfolio composition.
- 4.3 Ongoing Monitoring and Model Maintenance|Describes strategies for ongoing monitoring and maintenance of credit risk models to ensure their long-term effectiveness.
11 Credit Risk Mitigation Strategies
- 1 Overview of Risk Mitigation Techniques
- 1.1 Risk Mitigation in Credit Risk Management|Provides an overview
Skills you'll gain
Add these to your LinkedIn profile and resume the day you finish.
Who should take this Credit risk modelling course?
And exactly what you need before starting (spoiler: almost nothing).
This course is for
- Finance professionals looking to transition into risk management roles at Indian banks.
- Data analysts wanting to apply machine learning to financial datasets.
- Commerce and economics students preparing for a career in commercial credit.
- Anyone seeking a credit risk modelling certification to validate their analytical skills.
Prerequisites
- A basic understanding of finance and statistics is recommended but not strictly required.
- Familiarity with data analysis concepts will help you grasp the modelling modules faster.
How learning works on LearnTube
The structure of a bootcamp, the price of free.
AI curates your path
Our AI picks the top 1% of video content for each topic and arranges it into a structured, goal-based curriculum. No more tutorial roulette.
Learn, then get quizzed
After every lesson, your AI tutor asks you a question and gives personalised feedback on your answer, so gaps get fixed immediately.
Finish with proof
Complete the course, build the capstone project, and claim a certificate recognised by 900+ hiring partners.
A complete Credit risk modelling course: free, structured and job-focused
Financial institutions lose billions when they misjudge a borrower's ability to repay a loan. This credit risk modelling course solves that problem by teaching you how to assess and predict default probabilities accurately. You will start with the first lesson, Understanding Credit Risk, before moving through 11 structured modules. The curriculum covers essential topics like Exploratory Data Analysis, Credit Scoring Models, and Probability of Default (PD) Modelling. You'll also learn advanced techniques, including Machine Learning in Credit Risk Modelling and Model Validation and Backtesting.
LearnTube makes mastering these concepts simple and interactive. The platform pairs curated YouTube video lessons with an AI tutor that tests your knowledge. After every single lesson, you'll take a quick quiz to ensure you actually understand topics like Loss Given Default (LGD) and Exposure at Default (EAD). This structure helps you build real skills rather than just watching videos passively. If you want to study credit risk modeling python applications or prepare for commercial credit training roles, this setup keeps you on track.
You can complete all 55 video lessons in about 1 hour. Learning on the platform is completely free. If you don't want to leave empty-handed, you can add an optional paid certificate at the end to prove your new skills to employers. This is a great way to access premium credit risk modelling training without high upfront costs.
Jobs you can target after learning Credit risk modelling
Credit risk modelling is a gateway skill for some of the fastest-growing roles in tech.
Evaluates loan applications and financial data to determine the risk of borrower default.
Advises financial institutions on regulatory compliance and risk mitigation strategies.
Builds and maintains the datasets required for credit scoring and stress testing.
Develops statistical algorithms to predict default probabilities and exposure limits.
Typical entry-level salary ranges in India as of August 2026. Actual compensation varies by city, company and experience.
Earn a Credit risk modelling certificate employers recognise
Finish the course and claim a certificate you can share anywhere.
- Learn 100% free: every lesson, quiz and the AI tutor cost nothing
- Claim your certificate when you complete the course (an optional paid add-on)
- Recognised by 900+ hiring partners across India
- One click to share on LinkedIn and add to your resume
Why learners choose LearnTube
Real reviews from Google. You learn free, you get assessed free, and you pay only if you want the certificate.
Though I have 11 years of experience as an HRBP, the course helped me refresh my knowledge and gave me insights into new trends in the market. The modules were clear and easy to understand, and the quizzes were well designed. I have added the certificate to my LinkedIn profile.
I had a lot of doubts while learning, but the AI chatbot answered them in detail with simple summaries. The videos on the platform saved me a lot of time as I didn't have to search YouTube and watch random content.
Just earned my certificate in HR Management from LearnTube.ai! The platform is user-friendly and the assessment was a great way to validate my knowledge. Feeling proud of this accomplishment!
I enrolled in a LearnTube personalized course to get into a Data Analytics role. It helped me learn SQL in depth and gave me hands-on experience with Power BI. I attached the LearnTube certificate to my CV, it added credibility to my profile, and I'm currently in the interview process.
The interface is user-friendly and intuitive, making it easy to navigate the course. I encountered no errors during my time using the platform, which was a refreshing change from other online learning platforms.
Just cleared the Business Analyst assessment and got certified! Loved how the course simplifies big concepts like data-driven decision making into short, practical lessons. The automated quizzes kept me on track the whole time. Perfect boost for my resume!
The certificate gave me a real edge during my B.Tech. By the time I graduated, I had skills that set me apart from my peers, and the certification opened up more job opportunities. It gave me the confidence to stand out during interviews.
I manage many software projects as a General Manager and was looking for a good certification program to stay competitive. After researching many programs, I chose LearnTube and it was much better than I expected. The material is well-organized and practical, and what I liked most is the lifetime access.
Frequently asked questions
Everything learners ask before starting this Credit risk modelling course.
Do I need prior finance experience to take this course?
No, you don't need a formal finance background to start. The curriculum begins with Introduction to Credit Risk to build your foundation. However, basic knowledge of statistics will make the advanced modules easier.
What jobs can I get after learning credit risk modelling?
You can work as a Credit Risk Analyst, Risk Consultant, or Financial Data Analyst. Entry-level salaries for these roles in India typically range from ₹4 to ₹9 LPA depending on the hiring company.
Can I study the material on my phone?
Yes, the LearnTube platform is fully mobile-friendly. You can watch the curated video lessons and take the AI-tutor quizzes on any smartphone, tablet, or desktop computer with an internet connection.
How long will it take to finish the training?
The course takes about 1 hour to complete. This includes watching all 55 video lessons and passing the AI quizzes across the 11 modules. You control the pace entirely.
Is the credit risk certification free?
Learning the material is completely free. If you want the official certificate to share with employers, you can purchase it as an optional add-on once you finish all the modules.
Does this cover machine learning applications?
Yes, the curriculum includes a dedicated module on Machine Learning in Credit Risk Modelling. You will learn how modern algorithms improve the accuracy of default predictions and credit scoring models.
Is this a self-paced learning program?
Absolutely. There are no strict schedules to follow. You can watch the videos, complete the quizzes, and review topics like Stress Testing and Scenario Analysis whenever you have free time.
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