What now?
Is it possible to originate safely in this environment? Author | Eric Steinhoff “If you’re not growing, you’re dying” – we’ve all heard a...
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Apr 16, 20205 min read
Credit Unions powered by AI can help their members weather the storm
Author: Scienaptic Research Many economists and researchers were warning us about the next recession to hit us by the mid-2020s. And...
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Apr 16, 20204 min read
How lenders can cope with COVID19 stress & avoid the worst case
Author: Pankaj Kulshreshtha In the run upto 2008, I had an interesting experience as CRO for a loans portfolio. While the stress and...
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Apr 16, 20202 min read
How to Employ AI in Credit Decisioning
These are tough times for financial institutions and consumers alike. Traditionally risk managers have responded to such sharp slowdowns...
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Mar 17, 20204 min read
Quest for recession resistant lending using AI Powered credit decisions
Author | Vinay Bhaskar Traditionally risk managers have responded to recession predictions by simply reducing risk appetite. This is...
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Feb 28, 20206 min read
Bridging the Data Gap
By Scienaptic Research Group The credit industry and the needs of borrowers have evolved rapidly in the past decade. One of the main...
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Feb 13, 20208 min read
Artificial Intelligence: Could it be the Game-changer for Credit Unions?
Author: Subbu Venkataramanan Introduction In the last few years, some business trends led Credit Unions to change how they do business....
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Feb 5, 20204 min read
How SMB Lending Banks can Transform Credit Underwriting using AI and ML
Author: Vijaya Kumar Small and Medium sized Business (SMB) lending banks, credit unions and fintech/online lenders in the US are going...
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Dec 18, 20192 min read
Remaining competitive in a changing landscape for business lenders
Authors : Subbu Venkataramanan | Vijaya Kumar | Rakesh Lavi Competition from new age players, have made flexibility and response time...
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Dec 18, 20195 min read
Robust Financial Forecasting using ML
Author | Gungor Ozer “Planning is bringing the future into the present so that you can do something about it now.” Alan Lakein A recent...
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Dec 18, 20194 min read
Dreams of perpetual money-making machine: Lessons for AI in credit & FinTech
Author | Pankaj Kulshreshtha A couple of decades ago, I was about to complete my PhD thesis in a rather esoteric confluence of AI,...
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Mar 1, 20193 min read
Hitting the Bull’s eye: A practitioner’s note on forecasting Retail Credit Losses.
Author | Vinay Bhaskar Accurate and reliable forecasting of the Credit Losses has always been a subject of critical focus in Retail...
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Mar 1, 20193 min read
Build powerful NLP engines to improve fraud detection – A case for Account Takeover fraud
Author | Vinay Bhaskar Its been a busy summer work-wise, we have been cooking up (literally!) AI driven solutions for credit underwriting...
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Mar 1, 20194 min read
Role of Artificial Intelligence (AI) in Auto Lending
Authors | Subbu Venkataramanan, Madhuri Prabhakar The credit underwriting process has been significantly improved with the use of Machine...
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Mar 1, 20198 min read
Banks and Online Lenders - The New Power Couple is Coopeting
Authors | Pankaj Jain, Madhuri Prabhakar This blog post explores the new-fangled relationship between banks and online lenders, and how...
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Mar 1, 20193 min read
Driving Financial Inclusion
Author | Vinay Bhaskar The two-day conference on consumer lending optimization was held on June 7th and June 8th in NY this year, which...
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Mar 1, 20195 min read
The role of AI in credit line assignment
Author | Subbu Venkataramanan When a customer applies for a credit card, three decisions need to be taken: 1. Approve or reject the...
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Mar 1, 20193 min read
It runs in the blood!
Author | Pankaj Jain Born in a Marwari (Indian ethnic entrepreneurial group) family, I was always inspired by trade and how trade had...
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Mar 1, 20193 min read
Discover or Learn Patterns?
Author | Vinay Bhaskar Just think about it for a sec.... the question is non-trivial! As a business leader who wants to leverage...
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Mar 1, 20192 min read
Hiring Right!
Author | Anuradha Sharma There are many dimensions that come into play while hiring the right people for a company. It gets even more...
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Mar 1, 20192 min read
Learning Fraud Anomalies, a Semi-Supervised Mouse Trap!
Author | Aditya Khandekar While we are happily enjoying the Labor Day weekend, fraudsters are busy at work! I had a card breach this...
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Mar 1, 20193 min read
A silver lining amidst tech sector hype and lofty valuations?
Author | Pankaj Jain Remember the dot com era of lofty valuations of anybody who had a website? Even truck based logistics transportation...
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Mar 1, 20193 min read
"They had professional actors interview me!"
Author | Pankaj Kulshreshtha Jo is a really smart senior engineer with solid academic pedigree in Computer Science. She was working with...
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