The Age of Alternative Data: Elevating Credit Risk Management

Commentary by: Naagesh Padmanaban

It is common knowledge that large volumes of data are being constantly generated and a good portion of this can be used to better understand a potential borrower. This profusion of data has only provided greater depth and reach to …

Modeling Blended Alternative and Traditional Data: A Case Against Variable Reduction

Commentary by: Zachary Tondre

Alternative data adds insight into the credit risk of full file borrowers allowing lenders to more accurately predict delinquency and price more competitively

The Lien and Judgment Blind Spot

Commentary by: Zachary Tondre

The bureaus have taken action on another piece of their National Consumer Assistance Plan (NCAP) by removing lien and judgment records that they could not accurately link.

Credit Union Philosophy and First Time Auto Buyers

Commentary by: Zachary Tondre

Credit union directors across the country are looking for ways to stand out in their markets by returning to the foundational philosophy of the movement to serve underserved borrowers. While many directors see great opportunity in this initiative, management teams …

Uncertainty is Certain

Commentary by: John McWilliams

When reflecting on your previous year, like most people, you probably start inwardly. Did you achieve your personal goals? Family goals? Career goals? Then we expand to the macro – how did your company perform? Your Clients? Your Industry? Your …

Kinecta Federal Credit Union uses RiskView™ to combat the Credit Scoring Void of Underbanked Americans

Commentary by: Solomon Semere

In a recent case study, Informa incubator Ovum outlined Kinecta Federal Credit Union’s decision to confront the challenge of financial inclusion by offering mainstream credit at more affordable rates to its underbanked customers. Kinecta achieved its goal by partnering with …

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