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
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
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.
Banking after Moratorium: Three key Monitorables
With the moratorium behind us, the attention is now on how the loan portfolios will behave. Sumit Kakkar identifies three crucial things that banks need to monitor closely.
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
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 difficult to decipher customer’s intentions. How, then, does a lender evaluate a customer? Amit Balooni shares some pointers