Topic
mayank jain
Browse all articles filed under mayank jain — from the FinBox research desk.
Cost of careful
The cost of careful
Why slow is no longer safe in the era of agentic and AI lending?
10 Jul 2026 5 min read
Foreign banks are giving up on the part of India they were built to win.
The affluent segment is the part of Indian retail a global bank should find easiest to win.
10 Jul 2026 3 min read
FinBox Research
When did risk stop being the last question?
Risk teams weren't there to question the direction; they were there to make the journey possible.
19 Jun 2026 5 min read
FinBox Research
This economy is breaking underwriting models
FOIR was built for a stable-price world — one where the gap between a borrower's gross income and what they can actually spare stays roughly constant
12 Jun 2026 4 min read
FinBox Research
The weather outside the portfolio
The RBI lowered its growth forecast while raising its inflation forecast.
5 Jun 2026 4 min read
FinBox Research
What happens when the collateral is the phone in your hand
The RBI formalising device restriction with safeguards is the right call. The alternative was worse on every count.
29 May 2026 4 min read
FinBox Research
What the RBI knows that markets don’t
That capital does not sit idle; it creates room for more lending.
22 May 2026 6 min read
FinBox Research
The shrinking NBFC universe
The industry already appears to be moving toward a more disciplined phase driven by tighter compliance and stronger execution.
15 May 2026 4 min read
FinBox Research
Efficient systems are an unfair advantage for lenders
The easier the borrower is to underwrite, the easier capital flows. Everything else is starting to feel operationally expensive.
8 May 2026 5 min read
FinBox Research
The Pattern No.173: Risky business - Can credit survive stormy seas?
Credit push but at what cost?
3 Oct 2025 3 min read
FinBox Research
The new housing finance playbook for lenders | A Credit Insider conversation
Affordable housing is getting a lot more scientific. Underwriting is shifting from one-size-fits-all to profile-specific playbooks, and behavior is now a key signal in secured lending.
25 Sep 2025 14 min read
FinBox Research
As RBI plays Scrooge with money, banks turn into deposit magpies
As RBI turns off the money tap, banks go mopping up deposits
27 Oct 2023 1 min read