Diploma in Leasing/AFS Structures and Credit Risk
Online postgraduate diploma of 800 hours in leasing/AFS structures and credit risk. 8 modules covering mobility asset finance, leasing structures and IFRS 16 accounting, credit risk models, asset risk and collateral, prudential regulation and IFRS 9, credit cycle management and risk-adjusted pricing, with an assigned technical tutor.
Diploma in Leasing/AFS Structures and Credit Risk — studying from Canada
Canada's technology and engineering sectors rely on strong business and management capabilities, with concentrations of innovation in Toronto, Montréal, Vancouver and Calgary. Federal and provincial governments support industrial strategy, research funding and regulatory policy affecting engineering firms. Professionals in this area often manage engineering programmes, lead technology commercialisation and advise on compliance and public procurement. Large employers include the major banks, consulting firms and national engineering companies.
Fees for Canada: C$2,790 (Canadian dollar), with instalments and employer sponsorship available.
Relevant bodies in Canada
Typical roles
Questions from Canada
Which Canadian bodies regulate qualifications in business or technology management?
Business and management qualifications in Canada are not generally licensed by a single regulator in the way engineering is. Professional designations such as CPA Canada for accounting or the Project Management Institute's credentials are separate bodies with their own requirements. SEIUM's qualifications are private, not official state degrees and not accredited by a national body, so recognition is decided by employers or the relevant body.
Do Canadian employers value technology policy and management training from a private school?
It depends on the employer and the role. Canadian organisations hiring for technology strategy, policy or management usually weigh experience, results and recognised credentials. A private qualification may support your CV, particularly alongside a final project showing applied work, but it is not guaranteed to be valued. Clarify expectations with target employers before enrolling.
How demanding is this alongside work, and how are fees handled?
The programmes are fully online and suit working professionals studying at their own pace. Specialist courses take 300 hours, postgraduate diplomas 800 and master's programmes 1,900, so consider your weekly capacity. Teaching is in English, with an assigned technical tutor. Fees are payable in instalments, and some employers sponsor staff, which you should ask your own employer about.
Take the controls.
Run a real engineering trade-off from this field. Move the sliders, watch the model react in real time and beat the challenge.
What you will be able to do
Distinguish between the different forms of mobility asset finance.
Structure leasing transactions and their accounting treatment.
Build credit risk models.
Estimate asset risk and losses on default.
Apply the prudential framework and IFRS 9.
Manage the credit cycle of a portfolio.
Set risk-adjusted prices.
Who it's for
- Credit risk analysts in automotive finance and banking.
- Fleet finance managers.
- Risk modellers.
- Residual value managers.
- Controllers at captive finance companies.
- Financial pricing analysts.
- Engineering or science graduates seeking to join an automotive finance company.
What you'll work with
- IFRS 16 (leases)
- IFRS 9 (financial instruments)
- Regulation (EU) 575/2013 CRR (capital requirements for credit institutions)
- Directive (EU) 2023/2225 (consumer credit agreements)
- Law 10/2014 (Spanish regulation and supervision of credit institutions)
- Bank of Spain Circular 4/2017 (financial reporting for credit institutions)
- EBA Guidelines on loan origination and monitoring (credit granting standards)
- SAS Credit Scoring
- Python with scikit-learn
- R
- Microsoft Excel
- Power BI
8 modules
1.1Finance and operating leases1.2Vehicle renting and subscription1.3Manufacturers' captive finance companies1.4Loans with retention of title1.5Corporate fleet finance1.6Leasing of heavy vehicles and equipment1.7Electric vehicle finance1.8Participants and business flows1.9European market trends1.10Case study: comparison of finance options for a fleet
2.1Finance lease agreement2.2Purchase option and guaranteed residual value2.3IFRS 16 for lessees2.4Lessor accounting2.5Tax treatment of leasing2.6Sale and leaseback structures2.7Syndicated and structured leasing2.8Securitisation of leasing portfolios2.9Key contract clauses2.10Workshop: amortisation schedule for a lease
3.1Probability of default, LGD and EAD3.2Application scoring for individuals3.3Rating of companies and self-employed borrowers3.4Explanatory variables in vehicle finance3.5Logistic regression and decision trees3.6Model validation and discriminatory power3.7Probability calibration3.8Bias and fairness in models3.9Model governance3.10Lab: scoring model with logistic regression
4.1The vehicle as collateral4.2Depreciation and value curves4.3Asset recovery on default4.4The remarketing market4.5Recovery and sale costs4.6Loss given default with collateral4.7Total loss and GAP insurance4.8Technology risk in electric vehicles4.9Used-vehicle market data4.10Practical exercise: LGD estimation for a portfolio
5.1Basel III framework and the CRR5.2Capital requirements for credit risk5.3IRB internal models5.4IFRS 9 and expected credit losses5.5Impairment stage classification5.6Consumer Credit Directive5.7Supervision by the Bank of Spain5.8Customer transparency requirements5.9Anti-money laundering5.10Case study: IFRS 9 provision calculation
6.1Credit approval policies6.2Delegation of authority6.3Portfolio monitoring6.4Early warning systems6.5Collections management for arrears6.6Refinancing and restructuring6.7Write-off management6.8Portfolio quality indicators6.9Stress testing6.10Workshop: dashboard for a leasing portfolio
7.1Risk-adjusted pricing7.2Funding cost and margin7.3Cost of capital and RAROC7.4Manufacturer subsidies7.5Insurance and associated services7.6Profitability by channel7.7Cohort analysis7.8Competition and commercial strategy7.9Process digitalisation7.10Practical exercise: pricing model for a renting product
8.1Definition of the financial product8.2Target market analysis8.3Scoring model8.4Residual value and LGD estimation8.5Calculation of provisions and capital8.6Pricing model8.7Risk management plan8.8Conclusions and areas for improvement8.9Report and presentation8.10Final project: final review with the tutor
How you'll learn
100% online training on the SEIUM campus, with downloadable material, recorded classes and an assigned technical tutor. There are no fixed timetables: you progress at your own pace within each intake, so the programme fits around your job.
Each module combines theory, guided reading of the original standard and applied exercises. The software used is SAS Credit Scoring, Python with scikit-learn, R, Microsoft Excel and Power BI, in free, academic or evaluation versions. Exercises are based on real procedures: a scoring model for a leasing portfolio, IFRS 9 provision calculation and residual value analysis of fleets. Assessment is continuous by module plus the final project.
Standards covered: IFRS 16, IFRS 9, Regulation (EU) 575/2013 CRR, Directive (EU) 2023/2225 on consumer credit, Law 10/2014 on credit institutions, Bank of Spain Circular 4/2017, EBA Guidelines on loan origination and monitoring.
Build it end to end
Your final project follows the real engineering workflow, step by step, reviewed by your tutor.
Where this takes you
Requirements
- Prior technical training or professional experience in the sector. No university degree is required.
- Internet connection and a computer capable of running the programme software.
- English sufficient to read technical standards.
Ready to start?
Send your application today. Our admissions team replies within 72 hours with your study plan and funding options.
Frequently asked questions
The programme totals 800 hours over 6–8 months. You set your own pace within each intake, and your tutor helps you plan the workload around your job.
You work with SAS Credit Scoring, Python with scikit-learn, R, Microsoft Excel and Power BI, using free, academic or evaluation versions. Your tutor indicates the free alternative wherever one exists.
A SEIUM Institute diploma, awarded on passing the continuous assessment and the final project. It is SEIUM's own qualification, not an official state degree; its recognition depends on the programme completed and the regulations of each country.
Yes. Modules passed are recognised in a higher programme in the same area (postgraduate diploma or master's). Ask about the recognition policy when you enrol.
Prior technical training or professional experience in the sector; no university degree is required.
Start dates are set by SEIUM's faculty for each intake. Our admissions team will confirm the next available date when you apply.
Related programmes
Diploma in Export Compliance Programmes and Audits
Online postgraduate diploma of 800 hours in export compliance programmes and audits. 8 modules covering export control fundamentals, internal compliance programmes, dual-use classification, screening, licences, export…
Diploma in Conformity, Testing and Evidence for Authorities
Online postgraduate diploma of 800 hours in conformity, testing and evidence for authorities. 8 modules covering vehicle type-approval systems, conformity of production, technical evidence and traceability,…
Diploma in NOM/NAD Mexico: Certification and Change Control
Online postgraduate diploma of 800 hours in NOM/NAD Mexico certification and change control. 8 modules covering the Mexican standardisation system, conformity assessment, NOMs for vehicles, product…
More in Business, Management & Technology Policy
All Business, Management & Technology Policy programmes → · How to apply · Fees & financing · Scholarships