Author: Amit Balooni

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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 [...]
Breaking the Agri Barriers

Breaking the Agri Barriers

The Farmers Produce Trade and Commerce Ordinance, 2020, is a key ecosystem change and opens up opportunities within Indian agri and lays the ground fo [...]
Can Credit Scoring replace Judgemental Lending?

Can Credit Scoring replace Judgemental Lending?

With all the excitement in the last decade about data and credit scoring, there are some areas that may still need the human skill tom judge credit ri [...]
Distribution- Do we need a Relationship Manager? (SME Lending Models 5)

Distribution- Do we need a Relationship Manager? (SME Lending Models 5)

Some crossroads our clients encounter while setting up distribution/origination models: Do we set up a new SME vertical or leverage Branch res [...]
Is Loan a Product? (SME Lending Models 4)

Is Loan a Product? (SME Lending Models 4)

Lending business can be summed up in two sentences: I (customer) need money. You (Bank) give money and charge interest. But lending isn’t [...]
1 2 10 / 16 POSTS