Credit Evaluation: How much information is Enough?
How much information is enough for credit evaluation? For a streamlined process a delicate balance needs to be maintained between timeliness and need for facts. Sumit Kakkar shares his perspectives
-
-
SME Financing – Opportunity for Alternate Channels
MSMEs seem to be showing the expected resilience and regaining market’s interest. Sumit Kakkar explains some of the constraints faced by MSMEs and how resolving these presents a big opportunity for Alternate lending channels
-
Credit Sense – Approach and Perspectives
Risk officers and Relationship managers are always at each other’s throats owning to difference in their perspective, often missing out what lies beyond the optics. Sumit Kakkar draws from his experience to share some key things that both should look at.
-
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