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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 - once there is enough buy in to the recessionary scenarios internally, risk score cut-offs are increased, and underwriting strategies are tightened. This results in an immediate drop in approval rates in the hope that when the real slow down hits, the losses will not be too bad. We believe a better framework to make lending businesses recession