Lending Logic

How lenders assess borrowers, deal with uncertainty, and make credit decisions under imperfect information.

  • Credit Risk Blindspots: Hidden Biases in Lending

    Amit Balooni

    Bias is an inherent human tendency, and recognising and minimising it requires deliberate effort. No matter how advanced the financial models or how experienced the analysts, Credit Risk decisions are inevitably influenced by personal experiences and context. The challenge lies in identifying when this reliance on past-experience crosses the line into bias.