Credit risk

Credit risk

Jayanth Krishnan shares an article that explains how Fintech can help consumers make better credit choices. It’s a well known fact that Asian households (all countries east of Pakistan, to be clear about scope) used to have much lower leverage (and hence hold more cash like instruments) than their counterparts in Europe and Asia. This […]


Tobias Baer shares an article on credit risk and the perils of the buy-now-pay-later trend. A just-published TransUnion study shows that buy-now-pay-later (BNPL) takes the UK (just as other markets) by storm, with 35% of the population having used it in the past 12 months (driven in particular by Gen Z and Millennials with up […]

  Tobias Baer takes on the role credit bureaus play and misguided government prescriptions in this post.  Credit bureaus are both feared and loathed – feared because their revealing of “sins” of the distant past can dash many a dream such as buying a house or a car, renting a flat, or even just getting […]

Umbrex is pleased to welcome Yacine Berdjeghloul with Wolfinance Consulting.  Yacine is a bright Risk professional with a strong academic background and technical experience in modelling & coding. He has a high interest in solving complex issues, is self-motivated and entrepreneurial. He was among the top 5% of his Bachelor’s and in his previous job […]