Blog – Credit Risk & Decisioning
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Financial Inclusion
Financial Inclusion Introduction In the 1970s disco era, there was a successful all-ladies German pop group called Silver Convention. One of their top 10 hits was ‘Everybody’s Talking ‘Bout Love.’ Whenever I hear the term financial inclusion, I often think of the lyrics to this song: “You know, everybody's talking about love these days It's [...]
Stories and Learnings from a Career in Risk Management
Stories and Learnings from a Career in Risk Management Introduction For this last article of the year, I thought it would be appropriate to write a light hearted piece about some of the funny or strange things I have encountered in my many years in the credit risk industry. Over these years I met a [...]
Meet the ADEPT Decisions Team – Stephen John Leonard
Meet the ADEPT Decisions Management Team - Stephen John Leonard Introduction The entire ADEPT Decisions team has always strived to provide the ‘personal touch’ to our clients; whether it means going the extra mile on a project, accommodating short-notice changes, or just acting as a sounding board to the credit risk team. We believe that [...]
Risk Tactics for Turbulent Times – Management Strategies
Risk Tactics for Turbulent Times Introduction “There is a tide in the affairs of men, Which taken at the flood, leads on to fortune. Omitted, all the voyage of their life is bound in shallows and in miseries. On such a full sea are we now afloat. And we must take the current when it [...]
Fantasy Planning
Fantasy Planning Introduction “He who fails to plan is planning to fail.” Winston Churchill. It never ceases to amaze me how little credit grantors actually plan. Speaking specifically about the credit risk environment, plans should be created for at least a 12 month cycle, which typically matches the company’s fiscal year. Whereas credit risk managers [...]
Corporate Memory vs. Amnesia
Corporate Memory vs. Corporate Amnesia Introduction Do you remember that Advanced Statistics mid-term that you took in the third year of your university degree? Can you remember what result you received and more importantly, why you did so poorly? Personal memory fades over time and the longer that mid-term test was sat, the less likely [...]
Managing Originations in Turbulent Times, Part 2
Managing Originations in Turbulent Times, Part 2 Introduction Last month, I set the scene and described this highly challenging time we all find ourselves in right now. In this second part of the blog I provide some practical tips as to what a lender should do to manage originations during a turbulent period such as 2022. [...]
Managing Originations Strategies in Turbulent Times, Part 1
Managing Originations in Turbulent Times, Part 1 Calling all originations and credit risk managers. Is this the right time to focus on originations management? Have you ever felt truly cursed? I don’t mean the ‘having a bad day’ type of cursed, but rather the ‘how can things get any worse’ type of cursed. Until the [...]
Diallers & Decision Engines Overview & Parallels
Diallers & Decision Engines Overview & Parallels Background Over the past 40 years, diallers have become so prevalent in the consumer credit industry, that many of us rarely ever bear them a second thought. This led me to think about the parallels and similarities between diallers and decision engines: Both products have been around for [...]
What are the key components of a Fintech lending toolkit?
What are the key components of a Fintech lending toolkit? In last month’s blog, I discussed the importance of using a dedicated full-featured decision engine (DE) for all of your credit assessment requirements. I also described why a decision engine adds significant value to a lender, beyond just using the tools that are built into [...]
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Latest Blogs
How to Prepare for a Decision Engine Implementation
How to Prepare for a Decision Engine Implementation Introduction In [...]
How to Use a Credit Decision Engine Effectively
How to Use a Credit Decision Engine Effectively Introduction In [...]
Benefits of Using a Credit Decision Engine for Originations
Benefits of Using a Credit Decision Engine for Originations Introduction [...]
Cloud vs. On-Premises Credit Decision Engines, Part 2
Cloud vs. On-Premises Credit Decision Engines, Part 2 Introduction In [...]