SME lending

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    From Scorecards to AI: Why Automating Credit Decisions Is Harder Than It Looks

    Amit Balooni

    What happens when a credit model becomes more confident than the evidence beneath it? Credit automation works best when the borrower, data and decision are predictable. Outside that boundary, better models can create greater confidence without greater understanding. From scorecards and machine learning to AI, the real challenge is knowing what can be automated, what still requires judgement and how institutions should govern the space between them.

  • SME Lending Channel Strategy: Key Success Factors

    Amit Balooni

    Lenders—Banks, NBFCs, or FinTechs—face the classic ‘Knapsack Problem’ while trying to create an optimal SME lending distribution structure. Each channel mix—branches, digital, phygital, own, agents, co-lending—brings its own costs and benefits, with varying considerations of scale, risk appetite, resources, and practicality specific to each lender. These essential considerations can help bring clarity to your distribution strategy.

  • Navigating SME Lending Strategy: Two key pointers

    Amit Balooni

    ‘What is an SME?’ has no all-encompassing answer. Any standardised approach to building SME Lending strategy is therefore fraught with risks. We deep dive into two important factors that can be guiding lights- variance in SME definitions and the role legal ecosystem plays. Amit Balooni shares the pointers