Category: SME 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)
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)
Lending business can
be summed up in two sentences: I (customer) need money. You (Bank) give money
and charge interest.
But lending isn’t [...]
Is Technology the panacea? (SME Lending Models 3)
Technology has benefits. It can improve TAT, data access, accountability, reduce operational risk & build competitive advantage. Full workflow [...]
Financial Analysis is not Credit Risk Assessment (SME Lending Models 2)
Financial analysis is the most exciting part for many bankers. Evaluation of ratio trendlines, NWC availability or future cash flows is logical & [...]
Gold at the Bottom of the Pyramid
“A box without hinges, key or lid, yet golden treasure inside is hid.” – JRR Tolkein
Following the wrong trail
The story of ‘Fortune at Bottom o [...]