The Associate International Retail Banker program introduces candidates to the management functions of retail banks and how to operate a retail bank in challenging environments. This level builds on the knowledge gained in the Affiliate International Retail Banker program. On completing the program, candidates will be able to understand the principles of managing risk, finances, people, and portfolios, along with the functions of recovery and collections. In this level, candidates will also learn the business models of fintech businesses and the partnership ecosystem.