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Over reliance on credit rating:
How Banks constrain SME Lending
Banks are flush with liquidity, but still grappling with twin issues – where to deploy the money and how to source the right credit which meets the stringent criterion. Is the straight jacket approach of the bankers and high reliance on credit rating constraining SME lending?
Sumit Kakkar shares his perspective
New Video!
COVID Impact on Microfinance Institutions
How are MFIs dealing with COVID?
Watch Amit Balooni in conversation with Micro Finance expert Venkatesh N, Founder and MD Samasta Microfinance (an IIFL group co), exploring the nuances of impact and response of MFIs
01:35 Comparing COVID impact with Demonetisation 05:27 Changes in the ‘high touch’ Operating Model of MFIs 08:32 Will COVID change the model’s operating cost structure? 11:02 Impact in different regions 12:26 Impact of Reverse Migration to rural areas 15:10 Workplace and team management changes 19:07 Employment and Job losses 20:45 Liquidity management – access to Private Equity and Debt 24:15 Portfolio Stress and Industry consolidation 29:18 Are MFIs still aspiring to be Banks?
Credit Risk Assessment in times of Corona
The ‘Pivot’ mantra
Covid Impact on Collection Strategies
In Episode 5, Collections expert and Founder Collekto, Bipul C Naithani , discusses the impact on various aspects of Collections strategies.
00:00:51 (Part 1) Overall Impact and Lender’s response|| 00:04:42 (Part 2) Impact of Moratorium|| 00:08:13 (Part 3) Migration and Skip Rates|| 00:11:30 (Part 4) Key Transformations- Sales doing Collections|| 00:22:27 (Part 5) Impact on Collection Agencies|| 00:27:35 (Part 6) Technology Intervention in Collections
9 ways Covid will transform Banking
COVID-19 has brought in new challenges for Banks. Banks will need to recalibrate their Strategic Focus & Work Culture. This is your quick guide to understand the key transformations in Banking
FRANK PERSPECTIVES
Data Analytics in Banking
The changing landscape
Watch Amit Balooni in conversation with data analytics expert Roopam Upadhyay, Founder ucanalytics.com, evaluate the impact of COVID and other changes for Banking industry in the area of Data Analytics, Credit modelling and Behavioural scoring
02:01 (Part 1) Impact on variables in Credit Models 05:33 (Part 2) Are we going back to Judgemental Lending? 07:50 (Part 3) Evaluating analytics readiness of Banks 12:20 (Part 4) Is ‘IT’ the right place for Data Analytics? 14:15 (Part 5) Changes in the Credit Scoring methodologies 20:47 (Part 6) Using data for Behavioural Analysis 28:58 (Part 7) Banks need to be ready!
Post-COVID Opportunities in Agri Perishables Supply chain
In this extract from Episode 6 watch Amit Balooni in conversation with Michael Andrade, Founder and CEO Samaaru and ex- Agri Banking Head, HDFC Bank, evaluate the opportunities in ‘Perishables’ supply chain . Of course, its not without challenges
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Episode 4
COVID Impact: Banking in Europe and Middle East
In this global roundup episode,we discuss with veteran CEOs Alexander Picker, from Austria and Bikram Rishi from Muscat, evaluate COVID Impact in Europe and Middle East and pick up lessons for India.
Episode 3
Post Covid Communication Strategies for Bankers
In this extract from Episode 3, see Amit Balooni, Founder FrankBanker and Pritha Dubey, Leadership Coach and Founder, Success Vitamin, discuss the changes in Communication Strategies a banker will need to adopt
Episode 2
COVID Impact on MSMEs
In Episode 2 series Part 4, we discusses with industry veterans Vasant Srivastava and Arijit Chanda the opportunities this turmoil may throw up for MSMEs
Episode 1
Post COVID Banking: Challenges in Lending
In Episode 1, Part 2, Amit Balooni, Founder FrankBanker, discusses with V eteranBanker and Consulant, Arijit Chanda impact of COVID on different borrower segements
Articles
I feel guilty. Despite having spent most of my worklifewith banks,I still can’t defend them.It isn’t easy to shield an intermediary.
In COVID Diaries chapter 2, Sumit Kakkar writes how Regulatory announcements and opportunities presented by the bond market distortions have kept the counters of banks, hedge funds and fixed income players busy
The scenario in 2030 may seem like fiction but the speed at which Artificial Intelligence (AI)is evolving, this may be a very simple use case.
Can Credit Scoring replace Judgemental Lending?
(SME Lending Models series Part 6)
Distribution Strategies: Do we need a Relationship Manager?
(SME Lending Models series Part 5)
Some crossroads our clients encounter while setting up distribution/origination models:
Do we set up a new SME vertical or leverage Branch resources? Is third party agents a good idea? Should we segregate the Sales and Relationship functions?
The answers lie hidden deep within the organisation’s current state and long-term view.
Financial Analysis is not Credit Risk Assessment
(SME Lending Models series Part 2)
Financial analysis is the most exciting part for many bankers. Evaluation of ratio trendlines, NWC availability or future cash flows is logical & fun way to credit decisioning. Possibly the next best thing to being an oracle! Who can counter argue when nos. show the future? But….
Is Technology the panacea?
(SME Lending Models series Part 3)
Technology has benefits. It can improve TAT, data access, accountability, reduce operational risk & build competitive advantage. Full workflow digitisation suite- Tabs +CRM+LOS+CBS integration+ LMS+DMS, seems impressive. “Let’s get it automated”
FrankBanker Events
Coming Soon..
Coming Soon!
Frankbanker will soon be launching a banker education series on SME lending in India. First 20 slots are free. To register, email to admin@frankbanker.com
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