The Credit Scientist

A data-driven approach to profitable growth in commercial lending

Fast movers are already anticipating the bounce-back of the economy: we’ve heard from one bank that there is more demand for business loans than ever. The catch, they said, is that there is also more...

Diversify with confidence and make inroads into commercial and industrial lending

Many lenders in the US have had a lot of success with Commercial Real Estate (CRE) lending and place far less effort on lending to trading businesses (often called “Commercial and Industrial” or...

Getting granular: why banks need to be taking a sub-sector view when it comes to commercial lending

Banks have always relied on risk models to inform their commercial lending decisions. These models are based on historical data that’s built up over decades (and in some banks’ cases, centuries)...

Customers Bank partners with OakNorth to compete with larger lenders

Most banks operate in the stone age, hindered by legacy technology and processes. At Customers Bank, we have been able to compete with some of the largest and most established lenders, growing assets from $250 million to $18 billion over the last decade, by taking a “high tech, high touch” approach.

Rishi Khosla, on CNBC: Successful lending to the ‘Missing Middle’

Given the events of the last year, supporting the Missing Middle - businesses who have the most significant impact on economic and employment growth – has never been more crucial...

Old National Bank: COVID-19 Challenges and Opportunities

Since its founding in Evansville in 1834, Old National Bank has focused on community banking by building long-term, highly valued partnerships and keeping our clients at the center of all we do....

Building bridges: how the UK and Australia are working together to strengthen each other’s fintech ecosystem

It’s been two years since the launch of the UK-Australia Fintech Bridge and in that time, the world has changed dramatically as a result of the COVID-19 pandemic.  

Managing COVID-19 Credit Risk

The current COVID-19 pandemic presents an era-defining challenge to not just the public health sector but to the resilience of the entire global economy. The pandemic has profoundly altered the...

If lenders are struggling with PPP, wait until they hit Main Street

The Small Business Administration's Paycheck Protection Program (PPP) launched on 3rd April providing $349bn to help small businesses get funding for payroll. The Program is 100% guaranteed by the...

Banking on data and machine learning-driven credit analysis