Payday Loans – Boon or Bane?
Payday Loans is still a nascent category in India. But digital Lenders are finding their feet and formalising the segment. Mrityunjay Shahi explains Payday lending fundamentals and its pros and cons.
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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
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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 his perspective on how common fallacies may lead to selective data being used for credit decisioning
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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.