Risk Scoring

The RBI has been advocating for increased governance across areas, especially algorithm-based lending - let's take a look at why!

Being a credit risk manager is tough. In India, there are four major bureaus and information gleaned from them can differ - even for the same borrowers! Addressing this challenge head-on is FinBox…

With its latest circular on Alternative Investment Funds, the RBI is leaning into its reputation as one of the toughest banking regulators.

Financial fraud continues to concern the authorities and credit cards remain on an upward trend. Read all about it!

The RBI seems to have been successful in its goal of reining in the growth of unsecured credit. Most FinTechs have tie-ups with banks and NBFCs to fund their small ticket offerings, but it looks like top-down tightening will temper their expansion.

Bankers, when queried about their primary concerns, often cite the persistent worry of fraud risk keeping them awake at night. Despite implementing various safeguards, the highly digitized world we…

The Reserve Bank of India not only wants to bring sanity back into the burgeoning retail credit market, but also wants to ensure that closely knit banks and NBFC lenders do not self-combust in this race to the top.

With a circular that sent shockwaves across the industry, the RBI on Thursday mandated that unsecured credit products will now attract higher risk weights - who will trip up, and how much will we slow down?

Income estimation stands as the bedrock of credit underwriting, a decisive metric empowering lenders to make informed lending decisions. It gauges repayment capacity, allowing financial institution…

Hello everyone, Welcome to the 84th edition of The Pattern, a weekly newsletter where we dissect and delve

Banks have no go but to play Big Brother

Weekly insights on fintech and industry, curated by Mayank Jain.