Transforming Ideas into Reality: Dive into Our Blogs

Auto loans, especially those for used vehicles, make up a significant portion of the portfolio for credit unions - around 35% to 45% of...

As part of the credit underwriting process, lenders usually verify borrowers’ income and employment status to ensure that they can repay...

The impact of COVID-19 on the US and world economies has been deep and far-reaching, with economic and financial markets experiencing a...

Is it possible to originate safely in this environment? “If you’re not growing, you’re dying” – we’ve all heard a version of this quote,...

Many economists and researchers were warning us about the next recession to hit us by the mid-2020s. And right when we started...

In the run upto 2008, I had an interesting experience as CRO for a loans portfolio. While the stress and uncertainty of COVID19 times are...

These are tough times for financial institutions and consumers alike. Traditionally risk managers have responded to such sharp slowdowns...

Traditionally risk managers have responded to recession predictions by simply reducing risk appetite. This is roughly how that works -...