INSIGHTS
Notes from building lending businesses.
What we look at when a credit business launches, scales or needs to be rebuilt. Written from the operator's side of the table.
LAUNCH
What has to be true before a lending product launches
Most lending launches that struggle do not fail on the product. They fail on the parts around it: funding, credit policy, decisioning, collections and the economics that tie them together.
Read the noteSCALE
Scaling a loan book without losing credit quality
Growth in lending is easy to buy and expensive to undo. The signals that a portfolio is drifting usually appear in the data long before they appear in the headline numbers.
Read the noteDECISIONING
AI in credit decisioning: where it earns its place
Machine learning can make lending decisions faster and more accurate. It can also make them harder to explain, monitor and defend. The difference is mostly in how it is introduced.
Read the noteWorking through one of these?
Tell us what you are launching, scaling or rebuilding.
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