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Our frequent blog posts cover all things decisioning: credit risk management systems, credit risk consulting and training, advanced analytics and predictive modelling.
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Credit Strategy Reporting – Originations, Part 1
Credit Strategy Reporting – Originations, Part 1 Introduction The journey of a consumer credit relationship begins long before the first statement is issued, or payment is made. Originations, which is the process of acquiring, evaluating, and on-boarding new credit customers, sets the foundation for everything that follows. While our previous articles explored account management and [...]
Credit Strategy Reporting – Collections
Credit Strategy Reporting - Collections Introduction When accounts transition from a normal status to delinquent collections, the reporting focus shifts dramatically. Our last article covered the metrics that matter for healthy revolving credit accounts. This companion piece explores the critical reporting requirements once accounts enter the collections phase. Effective collections reporting doesn't just track recovery [...]
Credit Strategy Reporting – Account Management
Credit Strategy Reporting - Account Management Introduction This is the first in a series of articles examining consumer credit risk strategy reporting, a role that is often overlooked or under-resourced. Having the best credit risk and operations tools, software and processing capabilities is largely meaningless if you do not have robust and comprehensive reporting in [...]
Sharia-compliant Credit Risk Management: Challenges and Solutions for Credit Risk Managers
Sharia-compliant Credit Risk Management: Challenges and Solutions for Credit Risk Managers Introduction Credit risk managers are constantly balancing risk and opportunity while adapting to evolving financial products. Sharia-compliant credit granting presents unique challenges that require innovative solutions, particularly as Islamic finance continues its rapid global growth. This article explores these challenges and examines how modern [...]
Understanding Islamic Finance
Understanding Islamic Finance Introduction Have you ever wondered why some banks offer 'Islamic banking’ or ‘Sharia-compliant’ financial products? Or perhaps you've heard the term "usury" but aren't quite sure what it means? Let's dive into the fascinating world of different credit systems and understand how they work in our modern financial landscape. The Differences Between [...]
Understanding and Preventing Operational Negation
Understanding and Preventing Operational Negation Introduction Operational negation is a critical yet often overlooked phenomenon in consumer credit risk management. It occurs when well-designed risk controls and strategies are undermined or rendered ineffective by operational practices, human behaviour, or system limitations. This disconnect between intended risk management strategies and their actual implementation can lead to [...]
Leveraging AI for Originations Credit Strategies, Part 2
Leveraging AI for Originations Credit Strategies, Part 2 Introduction In the last article, we looked at AI tools that can be leveraged to assist in credit originations strategy design. In this follow up article, we will look at the pros and cons of employing such tools in your credit analytics environment. Pros and Cons Using [...]
Leveraging AI for Originations Credit Strategies, Part 1
Leveraging AI for Originations Credit Strategies, Part 1 Introduction The financial services landscape is undergoing a profound transformation, with Artificial Intelligence emerging as a pivotal force in reshaping credit granting strategies. Gone are the days of rigid, one-size-fits-all credit assessment methods. Today, financial institutions are embracing AI-powered tools that promise to revolutionise how we understand, [...]
The Dual Benefits of Financial Inclusion
The Dual Benefits of Financial Inclusion For Consumers and Lenders via Digital Transformation In the previous article, we discussed what financial inclusion is, the barriers preventing financial inclusion, the role of technology as a catalyst for change, and the regulatory landscape governing financial inclusion. In this article, we move onto the benefits of financial inclusion, [...]
Understanding Financial Inclusion
Understanding Financial Inclusion Breaking Down Barriers to Economic Participation Financial inclusion represents one of the most significant challenges and opportunities in modern economics. At its core, financial inclusion refers to the availability and equality of opportunities to access financial services for all segments of society. While this concept might seem straightforward, its implications and scope [...]
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Latest Blogs
Credit Strategy Reporting – Originations, Part 1
Credit Strategy Reporting – Originations, Part 1 Introduction The journey [...]
Credit Strategy Reporting – Collections
Credit Strategy Reporting - Collections Introduction When accounts transition from [...]
Credit Strategy Reporting – Account Management
Credit Strategy Reporting - Account Management Introduction This is the [...]
Sharia-compliant Credit Risk Management: Challenges and Solutions for Credit Risk Managers
Sharia-compliant Credit Risk Management: Challenges and Solutions for Credit Risk [...]