Author: Amit Balooni

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Understanding Liquidity Assessment for Credit Risk- Part 1

Understanding Liquidity Assessment for Credit Risk- Part 1

Liquidity assessment using Current Ratio is a powerful tool and a staple for credit risk analysts . But it has its limitations. In this 2 part series, [...]
Why cross-selling Third Party Products can be costly for banks!

Why cross-selling Third Party Products can be costly for banks!

The rationale for cross sell focus in banks is not difficult to understand. It creates win-win for all stake holders- Banks get additional income, Emp [...]
How WFH impacts the Risk Management culture in Banks?

How WFH impacts the Risk Management culture in Banks?

Many in the banking industry have talked about the amazing cost savings that WFH brings. But beyond some savings, there are many costs we may have pai [...]
Lessons from Greensill’s insolvency: Nothing to do with Supply Chain Finance

Lessons from Greensill’s insolvency: Nothing to do with Supply Chain Finance

Greensill Capital, a UK based SCF company, filed for insolvency early this month. The company’s SCF business was ostensibly built on ‘Reverse Factorin [...]
Navigating SME Lending Strategy: Two key pointers

Navigating SME Lending Strategy: Two key pointers

‘What is an SME?’ has no all-encompassing answer. Any standardised approach to building SME Lending strategy is therefore fraught with risks. We deep [...]
Two sides of digital transformation in Banks: ‘Digitise’ vs ‘Digitalise’:

Two sides of digital transformation in Banks: ‘Digitise’ vs ‘Digitalise’:

When it comes to success in Being Digital, the difference is in the approach a Bank takes. Simply converting a paper to online form wont do. We differ [...]
How are ‘Global Systemically Important Banks’ (G-SIB) monitored under BASEL

How are ‘Global Systemically Important Banks’ (G-SIB) monitored under BASEL

Failure of a Systemically Important Bank amplifies the impact on world economy for two reasons. Firstly, banking services in many countries rely heavi [...]
Critical Thinking in Credit Risk: Avoid these Fallacies

Critical Thinking in Credit Risk: Avoid these Fallacies

Critical Thinking concepts can help build a robust credit risk culture that relies on logic and objectivity and minimises biases. Amit Balooni shares [...]
How measuring the ‘Pivot Factor’ can fill Credit Risk assessment gap post COVID

How measuring the ‘Pivot Factor’ can fill Credit Risk assessment gap post COVID

These are unprecedented times for lenders. Customer cashflows are depleted, loan track can’t be ascertained due to moratorium, making it increasingly [...]
Digital Lending: The missing piece of puzzle

Digital Lending: The missing piece of puzzle

The recent RBI notification, seems to be nudging Digital Lenders to be more transparent. But a pertinent question to ask may be ‘Who are these digital [...]
1 2 10 / 20 POSTS

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