I'm looking for some career advice from people working in Credit Risk, Risk Analytics, Model Risk, or Enterprise Risk.

I have 10+ years of experience in banking and credit. My background includes:

• 7 years as a Credit Analyst covering SME lending, supply chain/inventory financing, and dealer financing.
• 3 years in Canada working in credit processing for large and mid-corporate lending (loan servicing, syndicated/bilateral facilities, amendments, rollovers, repayments, etc.).
• I also worked as a Credit Analyst Consultant, helping train AI models on commercial credit analysis and lending concepts.

Unfortunately, I lost my corporate job in 2023. Between 2024 and 2025, I went through some major financial setbacks after falling victim to a scam, which wiped out my savings. Since then, I've been freelancing while trying to get by and find my way back into the corporate world.

Now that I'm restarting my career, I don't just want to return to credit analysis - I want to pivot into Credit Risk, with the long-term goal of moving into Enterprise Risk.

From the job descriptions I've been reading, I keep seeing requirements such as:

• PD/LGD/EAD modelling
• IFRS 9 / Expected Credit Loss
• Basel framework
• SQL
• Python or R
• Risk analytics and data analysis

I already have an annual Coursera subscription, so I'd like to make the most of it. I know Coursera is great for building foundational knowledge, but I'm unsure which courses are actually respected or practical for someone with my background.

A few questions:

1. Which Coursera courses would you genuinely recommend for someone transitioning into Credit Risk?
2. Besides Coursera, what other resources or certifications would you prioritize?
3. Are there platforms where I can work on realistic credit risk or risk analytics projects (similar to real-world case studies) so I have something tangible to discuss during interviews?
4. For someone with my experience, would you focus more on SQL/Python first, or on strengthening risk concepts like IFRS 9, Basel, PD/LGD/EAD before learning the technical tools?
5. If you were hiring someone with my background, what skills would you expect them to develop to be considered interview-ready for Credit Risk roles?

For context, I've recently moved back to India, but I'm completely open to relocating. I'm not tied to any particular country or city - I simply want to get back into the corporate world and build a long-term career in risk.

I'd really appreciate any guidance, especially from people who've made a similar transition or who currently work in Credit Risk.

Has anyone else had this issue..?

I subscribed a few months ago, for £35/month, and started a course, which I have now finished. I tried to end my subscription, but could find nothing on my account saying I was subscribed. I spoke to their AI, and then, I think, I human, and they said they couldn’t see a subscription either. I have since been charged £35 twice. I have contacted them again, and I have raised it with my bank, but there appears to be no way of getting out of this. Can anyone help?

Sto completando il percorso della ASU per il TESOL. Ma sono fermo al corso 1 perché i compiti precedenti sono buggati e non li manda. Parlo dei compiti con consegna del testo e revisione dei compiti dei compagni, qualcuno potrebbe gentilmente spiegarmi come faccio a bypassare questo errore?

Hi everyone! I have a question. I'm a student, and I need the certificate for one of my subjects. I signed up for Coursera's free trial and already completed the course, but I can't download the certificate because it's locked.

Do I need to pay for the next subscription to unlock and download the certificate, or is there another way to claim it since I finished the course during the free trial?

Thank you!

so im gonna start my college after few weeks and in my break i did the introduction to computer and programming course and i found it helpful

also im open to learning things that arent really related to degree but for fun but yes my primary goal will be to get certificates that do hold some value ofc

is there any drawback that i should be aware of for this plan? thanks :)

Really disappointed with all the AI slop in the IBM’s courses

I’m currently doing IBM’s 16 Course Generative AI Engineering professional certificate.

Even though I’m only 3 courses in, the only good parts of the course have been when real people are explaining the content.

Other than that, everything else has been extremely basic and extremely simple. Felt like it’s made for people who’ve hardly touched computers.

What really put me off was the growing suspicion of the amount of AI used to generate material.
\- The Ai voice was off putting but I dealt with it.
\- A lot of the material felt suspect of AI writing.
\- The exams is where it really pissed me off. It would ask old, outdated questions where more than one answer was possible but it would give you wrong if you didn’t select the answer it wants. Even when reviewing the tests and confirming with other AI chatbots, IBM’s exams were created by old bots who didn’t have knowledge of the current states of what different AI tools are currently capable of.
\- The last thing was blatant. “The Playoff Method” infographic with a lot of spelling mistakes and typical AI slop.

https://ibb.co/k6mV9rG7

It disappoints me that I’m taking time trying to learn something new but these creators didn’t even take the time to not only create the content, but even review it.

So guys I got the free access of coursera as a complementary in my scholarship program in which I can do as much course as I want. I will get certificates with no restrictions

I am genuinely confused about whether I do number of courses or should I just focus on 1-2 courses. And there is a clutter of many certificate with the partnership of numerous institutes and I genuinely do not know which certifications have a value in market (even marginally) and which certificate have no value.

So please suggest me, should I focus my energy on 2-3 certificate or should I invest my energy in collecting 7-8 certificates. Currently I am an undergrad student

https://www.coursera.org/learn/wharton-capstone/peer/QPtrh/project-description/review/ajEfJoUJEfGvfQr_738c9w

https://www.coursera.org/learn/wharton-capstone/peer/Hdwsd/marketing-plan-peer-review/review/jTARaYUOEfGzxA7Uhh8LeQ

https://www.coursera.org/learn/wharton-capstone/peer/4W8Im/opportunity-analysis-for-shazam-snapdeal-or-your-own-project-3-options/review/bmRxiIVqEfGzxA7Uhh8LeQ

I don't even know if that's possible or not but if it is , help would be much appreciated. I am stuck because Noone is reviewing it. Thanks for the help and sorry for wasting ur time.

Hi everyone,

I'm facing an issue with one of my Coursera assignments and would really appreciate some help.

I completed the assignment according to all the instructions and verified my answers multiple times. Despite this, the autograder is giving me a much lower score than expected. I carefully compared my work with the notebook requirements, and I can't identify what is causing the grading failure.

I've already:

Followed all the assignment instructions.

Verified my code and outputs.

Re-ran all cells before submitting.

Submitted multiple times, but the score remains incorrect.

Has anyone experienced a similar grading issue? Could this be a problem with the autograder?

@Coursera, could someone from the support team please look into this? I can provide screenshots, my submission details, and any other information needed.

Can someone help me or give me the solution book like my course finally certificate is not coming

Hi everyone, I signed up for a Coursera Plus trial/subscription last month and forgot to cancel it, so I got charged $24 this month. I looked into getting a refund, but it says “non-refundable” on the transaction. Is there any way to get my money back? Thanks! 😢

Which online course as a computer science student would u recommend as the best ?
In terms of future aspect
And knowledge gained
Unlike random courses with displaces value and knowledge attained

I am a finance student entering my fourth year of study, and I was wondering what the best courses are to increase my knowledge.

I want to be a good excel guy but i know only some functions and formulas like sumif, vlookup type, and also pivot but i want to learn advance level excel. Can you suggest me good free course

I have finished the course Data analytics with python for like 15 days ago. It says it will provide IBM digital badge on credly. But I cant claim it for some reason. How does it work?

Hey everyone 👋

I'm thinking about diving into AI Agent Engineering, and I'm looking at IBM's courses specifically "IBM AI Engineering" and "IBM RAG and Agentic AI"

Here's my thing though I don't want to waste time just chasing the IBM brand name. I need real talk Are these courses actually practical? Do they teach stuff that actually works in the real world?

If anyone's taken either of these courses I'd love to hear your honest take Is it worth the time investment or should I look elsewhere?

Thanks in advance 🙏

Anyone doing the course : [Effective Business Presentations with Powerpoint](https://www.coursera.org/learn/powerpoint-presentations/home/welcome)?? Need my assignment to be reviewed within the next 6 hours please. Its really urgent. I could use your help. Just DM me directly for the link so that you can review my assignment, I have really put lots of efforts into it.

https://www.coursera.org/learn/african-development--from-the-past-to-the-present/peer/F7nNS/final-mini-paper/review/DJFNKYKwEfGvfQr_738c9w

I'm a mech eng student and trying to build up a CV for myself or some background that can be useful after graduation.

I recently got into an internship that would get me to learn about a certain subject that's more hands on. And I've decided to delve more into it and maybe specialize in it in the future.

My question is, are coursera courses any good? Are they as respected as other certificates from training centers? And even if not, are there any that you'd recommend me getting? (If we're talking about courses that i can take on coursera that'd be beneficial for a mech student like me)

Hi, I am doing data analytics on Coursera. When I download a WHO dataset on medical doctors, it doesn't match the data in the CSV I downloaded. Is there any solution?

Here's the link

https://www.who.int/data/gho/data/themes/topics/health-workforce

Hi everyone,

I’m hoping someone here, a mentor, or a moderator can help me out, as I’m stuck in a incredibly frustrating situation.

First, I am currently trying to complete my final exam on the IBM Skills Network, but the environment completely refuses to load. I am stuck on a spinning loading icon / blank screen every time I try to launch it. Because of this technical issue, my deadline has now passed, and my exam is officially overdue.

Second, even when I can get these labs to load and submit, I've been running into major issues with the auto-grader. I am consistently receiving very low grades on my submissions, even though I manually double-check every single requirement against the rubric before hitting submit. It feels like the platform is failing to register correct code or output properly.

Here is what I’ve already tried to resolve the loading issue on my end:

• Clearing my browser cache and cookies
• Switching to an Incognito/Private window
• Trying a different browser (Chrome/Firefox/Edge)
• Checking my network connection (which is stable)

Is anyone else experiencing this loading loop or getting unfairly docked points by the auto-grader right now?

If any support staff or mentors are active, could you please look into this, advise on how to get the grading errors reviewed, and help me secure a deadline extension given that these are platform-side errors?

Course Name: IBM AI Engineering Professional Certificate

Module/Exam: Graded App Item:

Final Project: Submission and Evaluation

Hi everyone,

I’m a recent college graduate trying to make myself more competitive in the job market, especially for marketing, business analytics, and project management roles. I’ve been looking at Coursera certifications like the Google Project Management and Google Data Analytics certificates because they seem like a good way to build practical skills.
The problem is money is really tight right now. I know Coursera offers financial aid, but it can take a while, and paying for multiple certificates isn’t really in my budget.

For those of you who have completed these certifications:

Did they actually help you get interviews or land a job?

Which certifications would you prioritize if you could only afford one or two?

Do recruiters value them, or are they mostly just resume fillers?

Are there any ways to get Coursera at a discount (student discounts, promotions, employer programs, library access, etc.)?

I’d really appreciate hearing your experiences before I invest the time and money. Thanks!

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I am a Civil Engineer and I'm planning to apply for masters and PhD abroad. My research field is hydrology/flood modelling, previously I just did flood modelling using 2d models but the field is evolving rapidly and ML will be an integral part of the field in the future. I was just wondering if I should pay 3$ (it's a trivial amount even in my country) after the 90% financial aid just to put it in CV since I do have the videos for free and other free resources are just as good for me. What do you guys recommend? The course is the first module of Deep Learning Specialization. I feel like a deep learning specialization certificate would be good to put in CV and I can also put that in sop or other documents showing my dedication to the field or something.

Are Coursera certificates actually worth it, or do they just look nice on a CV?
I’m currently taking Branding courses on Coursera to improve my skills, and I’ve been wondering how they’re viewed in the real world.
From your experience:
• Do Coursera certificates add any value to a CV when applying for jobs?
• Do they make you look more credible to clients if you’re a freelancer?
• Have you ever landed a job or a client because of a Coursera certificate?
I’d love to hear your honest experiences. I’m trying to figure out whether these certificates are genuinely valuable or if the real benefit is simply the knowledge you gain from the courses.