Categories for Credit & Risk

  • Explore the 5 best credit risk management practices for SMEs to avoid payment defaults and maintain a positive cash flow to keep your operations running. Read now.

    Best Practices For Credit Risk Management In SMEs

    Synopsis: A proper credit risk management process helps you avoid payment defaults and maintain a positive cash flow to keep your operations running. This article covers the best credit risk management practices to help you create a robust strategy for... View Article

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  • Explore what credit history is and why it is essential in shaping decisions about loan approvals and interest rates for customers. Read now.

    How Does Your Credit History Affect Loan Approvals and Interest Rates? 

    Synopsis: In this article, we will explore what credit history is and why it is essential. We also discuss its crucial role in shaping decisions about loan approvals and interest rates.  Among the hordes of financial advice often dispensed by... View Article

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  • Explore how the human-machine collaborative approach & proprietary tech models are transforming the credit underwriting process. Read now.

    Why is there a need for a new approach to credit underwriting?

    Synopsis: This article discusses the need for elevating the traditional credit underwriting process by deploying a human-machine collaborative approach to envelop the credit unserved and underserved in the formal lending ecosystem.  The Indian lending market has a credit gap problem—a... View Article

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  • Explore the key differences between a credit score and a credit risk assessment for evaluating a borrower’s creditworthiness. Read now to learn.

    Evaluating Creditworthiness: Credit Score vs Credit Risk Assessment

    Synopsis: In today’s blog, we will explore the key differences between a credit score and a credit risk assessment for evaluating a borrower’s creditworthiness for the purposes of sanctioning a loan. The decision between a loan extension and a loan... View Article

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  • A Comprehensive Guide to Credit Risk Models

    Synopsis: In today’s blog, we will elaborate on some of the basics of credit risk models that lenders utilize to evaluate a borrower’s creditworthiness.  Over the recent years, the lending landscape, particularly in the context of credit risk management, has... View Article

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  • Is There a Need for A Human-Machine Approach to Credit Underwriting? Read the blog to know the best approach.

    Is There a Need for A Human-Machine Approach to Credit Underwriting?

    Synopsis: In today’s blog, we will understand why the human element continues to be crucial for credit underwriting, despite the process becoming automated over time through AI/ML models. The advent of artificial intelligence (AI) and machine learning (ML) models in... View Article

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