In a US commercial bank, the credit manager is concerned about the risks tied to the bank’s substantial retail credit portfolio. To address these concerns, the manager has called upon a team of risk analysts to evaluate the various risk factors associated with this portfolio. The task for the analysts is to analyze the potential negative impacts stemming from retail credit risks and propose effective strategies to mitigate these adverse effects. Based on their analysis, the manager seeks actionable recommendations aimed at reducing the negative consequences of retail credit risk on the bank’s overall portfolio.