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?