Having spent over 2 decades in banking and financial services, I have seen how financial models evolve, but never at the speed seen today. AI is reshaping credit risk assessment, offering a more ...

In the past few years, there have been several developments in the field of modeling the credit risk in banks’ commercial loan portfolios. Credit risk is essentially the possibility that a bank’s loan ...

This article was written by Jerome Barkate, Nakul Nair, Zane Van Dusen, and Scott Coulter. We are witnessing a remarkable period in the credit markets. Following years of accommodative monetary ...

David Croen, Head of Risk Products at Bloomberg L.P., was interviewed by Alison Fletcher, a Corporate Treasury Specialist at Bloomberg, on what customers have faced when evaluating credit rate risk ...

Artem Lalaiants is the Founder and CEO of RiskSeal with 10+ years in fintech and deep expertise in alternative credit risk scoring. Fraudsters used to exploit a lack of signals. Today, they exploit ...

Pietro Rossi had a problem. An insurance company needed a model that could price bonds based on the likelihood of changes in credit ratings. The standard, off-the-shelf models are based on probability ...

Traditional credit scoring methods often exclude consumers who lack formal credit histories, leaving a significant portion of the market underserved. In the U.S., 28 million adult Americans are credit ...

Imagine a friend asks to borrow some money. Before you answer, you likely will consider the risks involved with lending the requested amount. What happens if they don't pay you back when they say will ...

More than a year and a half after its implementation, BACEN Resolution 229 continues to shape credit risk calculations and DLO (Demonstrativo de Limites Operacionais) reporting in Brazil. Introduced ...