Credit risk
Credit risk
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 to 60% usage). There are both obvious and not-so-obvious implications for traditional lenders. BNPL promotes further fragmentation of consumer debt – and therefore will make…
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 a postpaid mobile plan, and loathed because their verdict on an applicant sometimes appears unfair or even incomprehensible – e.g., when sensibly taking up an…
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 was presented the GE Award for “Inclusiveness” and “Expertise”. Alongside his technical capability, Yacine is an excellent communicator with a natural ability to establish rapport….
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