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Search the restored collection, narrow it by theme or year, and return to the ideas that remain useful long after publication.
AI & Digital Lending
A colleague asked whether AI adoption in banks really has depth. I paused to examine the public evidence. A colleague who had been reading my recent blogs on AI in lending called me with a simple question: “Is there really so much depth in AI adoption within banks, or are we overstating it?” It w…
AI & Digital Lending
Early Warning Signals in lending must move beyond periodic reports and static triggers. Episode 4 of From Paperless Lending to Intelligent Lending explains how AI can help banks and NBFCs shift from EWS reports to early warning sensing by connecting conduct, cash-flow, business, governance and po…
AI & Digital Lending
AI in lending should not digitise waste faster. Episode 3 of From Paperless Lending to Intelligent Lending uses the Johari Window to explain how banks and NBFCs can move from data abundance to judgement clarity. It explores signal platforms, the blind zone of unused analytics, the 40% signal wast…
AI & Digital Lending
The AI Lending Flywheel explains how financial institutions can move from isolated AI pilots to intelligent credit flow. Built around six stages — capture, understand, flag, decide, engage and learn — the model shows how AI can improve the quality, timing and context of credit judgement without r…
AI & Digital Lending
Paperless lending is only the first stage of transformation. The real opportunity lies in removing hidden waste in lending — waiting, rework, repeated checks, late exception discovery, dashboard noise and underused human judgement. This article uses a Lean lens to explain how AI can help move fin…
Fraud, Ethics & Governance
A banker’s reflection on Central Bank of India v. Prabha Jain, 2025 INSC 95, where the Supreme Court held that a third-party challenge to sale deed and mortgage validity may still proceed before a civil court despite SARFAESI action. The case highlights the late claim trap, title litigation risk,…
Fraud, Ethics & Governance
A banker’s reflection on the possession trap in property-backed lending—why title deeds, mortgages, MoDT clauses and tenant NOCs may still fail to protect recovery value if actual possession is unclear, disputed or difficult to enforce.
Fraud, Ethics & Governance
A banker’s reflection on the Canara Bank specific performance case and why a property agreement, payment, and documentation are not enough unless the contract is lawful, enforceable, and capable of surviving judicial scrutiny.
Fraud, Ethics & Governance
“Tareekh pe tareekh” is no longer just a famous line from Damini. For many litigants in India, it reflects the painful uncertainty of a justice system where cases may be listed but not heard. This article examines the hidden cost of unpredictable court listings, the accountability gap in judicial…
AI & Digital Lending
This article revisits the classic fraud triangle and argues that in the AI era, it must be expanded into a broader fraud geometry that includes capability, scale, anonymity, synthetic identity, and automation.
Credit & Underwriting
Modern lending gathers vast amounts of data, but the most critical credit signals often emerge outside systems—from markets, suppliers and ecosystem intelligence.
Fraud, Ethics & Governance
How CRILC reporting, cheque deposits, and system processes can unintentionally delay default recognition in banks—especially during the critical March reporting cycle.
AI & Digital Lending
Why banks spend more time gathering data than understanding MSME risk. Exploring CCV algorithms, STP journeys and the due diligence gap in modern lending.
AI & Digital Lending
Fraud is evolving in the age of AI. Learn how decision manipulation and data engineering are enabling new forms of asset stripping in modern lending.
AI & Digital Lending
How banks structure decision power: centralized control, delegated authority, relationship banking, algorithmic lending and emerging data-driven models.
Fraud, Ethics & Governance
How Section 94 IBC allows personal guarantors to trigger interim moratorium before visible default—and why banks must rethink recovery sequencing and inter-bank coordination.
Fraud, Ethics & Governance
Rings are the smallest form of gold collateral—but often the most misunderstood. In gold lending, rings carry hidden complexity: solder joints that distort purity, stones that add emotional value but no recoverability, and borrower behaviour that underestimates long-term cost. This episode examin…
Fraud, Ethics & Governance
Necklaces are pledged in moments of urgency. Bangles are pledged in moments of endurance. One bangle becomes two. Two become a renewal. Renewal quietly becomes a habit. The bangles don’t disappear — they simply stop coming home. In the next episode, we explore this slow drift: how bangles behave…
Fraud, Ethics & Governance
Bangles look simple. They are anything but. In this episode, we step away from sentiment and focus on structure — how bangles are built, how hollow construction creates visual illusion, why traditional purity tests fall short, and how weight, density, and recoverability ultimately decide value at…
Credit & Underwriting
ORNAMENT Sub Series : Gold Jewellery Business : EPISODE 16 When Meera walked up to the gold-loan counter with her wedding necklace in hand, she wasn’t thinking about LTV or purity. She was thinking: ‘Can I get enough to cover one month’s bills without losing this forever?’ That small internal que…
Fraud, Ethics & Governance
A structural shift in gold financing saw gold collateral migrate from household liquidity to perpetual overdrafts and intermediary credit, prompting the RBI to ban re-pledged gold lending. This episode dissects balance-sheet patterns, ticket size anomalies, renewal persistence, and regulatory rea…
Fraud, Ethics & Governance
As gold jewellery funding structures grow more complex, confusion persists over what the regulator permits, restricts, or discourages. This episode decodes RBI’s regulatory intent across credit cards, EMIs, jeweller schemes, NBFC participation, bullion funding, and structured workarounds—explaini…
Fraud, Ethics & Governance
Episode 13 Focus — Part-1 of the Clarification Series Proposed Title: Gold & Jewellery Funding — Clearing the Fog (Regulatory Perspectives — Part 1) Episode Scope: This episode will cover: Regulatory Rationale: Why the regulator treats credit-funded gold purchases differently Explicit Prohibition…
Fraud, Ethics & Governance
Gold jewellery loans rarely default, yet legal disputes continue to rise across banks. Episode 12 examines why risk in gold lending does not surface through NPAs, but through renewal behaviour, exposure persistence, and borrower exit governance. By comparing governance maturity signals with legal…
Fraud, Ethics & Governance
When NPAs stop discriminating risk, balance sheets fall silent — and courts begin to speak. This episode of the Gold Jewellery Business series focuses on the legal lifecycle of gold loans, using real judicial cases to examine renewal-versus-closure behaviour, custody and valuation disputes, conte…
Tractor & Rural Finance
An empirical analysis of gold jewellery lending across Indian banks, examining balance-sheet behaviour, renewal patterns, exposure duration, and why loan closure matters more than delinquency in assessing risk.
AI & Digital Lending
Finance is not just numbers on a spreadsheet or dry reports stacked in a dusty cabinet. It’s a living, breathing ecosystem, full of stories, risks, and opportunities. And if you want to truly understand it, you need more than just data—you need perspective. That’s where Vivek’s unique perspective…
Tractor & Rural Finance
Gold jewellery loans in India show consistently low NPAs, but that does not equate to low risk. This empirical analysis demonstrates that risk in gold lending manifests through renewal behaviour and exposure duration, not delinquency. Using bank and jeweller archetypes, the article shows why loan…
Fraud, Ethics & Governance
Jewellery lending rarely fails at the point of sanction. It fails quietly in the gaps between cash, gold, and time. What appears robust on balance sheets often rests on assumptions about sequencing — assumptions that only surface when timing stops cooperating.
Fraud, Ethics & Governance
The Gold Timing Mismatch Pattern reflects a systemic blind spot: we regulated eligibility and audited compliance, but never stress-tested timing. Liquidity looked real on paper — until it wasn’t.
Fraud, Ethics & Governance
Every crisis looks sudden in hindsight. In reality, most of them are slow. Built from small assumptions repeated for years. Sowcarpet reminds us that balance sheets don’t break because of gold — they break because of when gold is owned, and when money is trusted. Timing creates risk. Not metal.
Fraud, Ethics & Governance
Episode 5 of the Gold Jewellery Business Lending series examines how popular gold schemes—monthly purchase plans, rate-freeze offers, fintech gold savings, SGBs, and digital gold—silently distort working capital, price risk, and demand visibility. This episode explains why customer money received…
Credit & Underwriting
Understand grey-zone jewellery lending archetypes: distributors, bullion-linked models and hybrids that blur ownership, inflate turnover, and hide risk.
Tractor & Rural Finance
Jewellery businesses are often misclassified because retailers, manufacturers, and job-workers are treated as one. This episode explains how jewellery archetypes differ in gold ownership, risk, inventory, and working-capital needs—and why misclassification leads to credit stress in jewellery lend…
Credit & Underwriting
Jewellery looks like a cash business, but liquidity is trapped in gold, design cycles, exchange gaps, and time. Episode 2 explains why working capital is unavoidable.
Fraud, Ethics & Governance
A comprehensive guide to jewellery lending and gold collateral behaviour. Learn how plain gold, casting jewellery, stone-studded designs, temple work, filigree, and job-work gold impact credit decisions. Essential reading for bankers, credit officers, and MSME finance practitioners.
Fraud, Ethics & Governance
From RBI’s historic rulebook clean-up to EASE reforms in PSBs, the message is clear — delete what no longer serves. Simplifying bank data unlocks speed, accuracy and a digital future.
AI & Digital Lending
From Sundaram Finance’s iconic motto — “Neththiya Paarthu Panam Kudukaradhu” — to today’s digital lending, this article uncovers timeless risk wisdom and the real lessons behind OneCard, BNPL crashes, and RBI’s push for responsible speed.
Fraud, Ethics & Governance
TAT is reshaping banking behaviour. This article decodes how turnaround time targets create pressure patterns, role distortions, and absurd new archetypes in credit.
Fraud, Ethics & Governance
In India, it’s surprisingly common to find Aadhaar showing an initial while your PAN, Passport and every other document carry your full name. Yet many bank counters insist: “Account name must match Aadhaar.” The truth? There is no such RBI rule. Aadhaar is only one of several Officially Valid Doc…
Leadership & Reflection
A reflection of my journey and the emotions behind the journey and the transition
Fraud, Ethics & Governance
Globally, the Association of Certified Fraud Examiners (ACFE) will observe its 25ᵗʰ International Fraud Awareness Week from 16 November 2025 to 22 November 2025, urging organizations and professionals everywhere to…
AI & Digital Lending
Every bank trusts its limit tree — until the breaches appear. In a multi-LOS world, one borrower often becomes many, each with its own CIF and sub-limit. The system smiles; the exposure doubles. The real culprit isn’t technology — it’s fragmented code governance. Until banks build one golden sour…
AI & Digital Lending
Many of us in banking and MSME lending encounter the term LEI (Legal Entity Identifier) often — but few truly understand its purpose. To most, it’s a compliance checkbox. In reality, it’s a global key to credit transparency.
AI & Digital Lending
Tiruppur’s MSME exporters are battling shrinking margins, delayed payments, and relentless cost pressures — worsened by global tariff shifts and domestic inefficiencies. This blog unpacks the real bottlenecks holding MSMEs back — from outdated credit frameworks to lack of real-time market support…
Credit & Underwriting
Global chess moves rarely feel local — until they do. In Tiruppur, Noida, and Surat, the 50% U.S. tariffs and rising oil costs are no longer headlines; they’re lived realities. From cancelled garment orders and shrinking margins to workers staring at silent machines, India’s MSMEs now find themse…
AI & Digital Lending
Card-testing hits three Chennai banks, each seeing only a sliver of the truth. If they pooled data, the fraud would light up—yet privacy rules and contracts say no. Enter Federated Learning: a way to bring the model to the data, so institutions learn together without moving customer records. In t…
AI & Digital Lending
In the fast-paced world of retail and MSME lending, fraud prevention often leans on two cornerstones — RBI’s Central Fraud Registry (CFR) and Hunter. While these tools are indispensable, frontline realities show a widening gap between policy intent and practical execution. This first episode of t…
AI & Digital Lending
"India’s MSME lending is evolving fast — but policy intent and on-ground practice still don’t always meet. This episode dives deep into real-world experiences, data, and actionable insights for lenders and borrowers alike."
Fraud, Ethics & Governance
SARFAESI was meant to be a scalpel — sharp, precise, and decisive. Instead, it has become a crutch. Over two decades, banks have leaned so heavily on it that the very intent of the law is at risk. Recovery rates are falling, delays are mounting, and auctions are failing. The problem isn’t SARFAES…
Fraud, Ethics & Governance
Credit ratings are more than letters on paper — their real meaning lies in the methodology behind them. Through-the-Cycle (TTC) ratings give stability but may mask brewing trouble, while Point-in-Time (PIT) ratings give real-time alerts but can swing wildly with market conditions. Regulators pref…
Fraud, Ethics & Governance
Procyclicality in Indian lending isn’t just market psychology — it’s also policy inaction. RBI has long had the concept of a counter-cyclical provisioning buffer on paper: build extra reserves in good times, use them to keep credit flowing in bad times. But in practice, activation triggers are un…
Fraud, Ethics & Governance
The RBI’s 100 bps rate cut in 2025 may feel like fresh stimulus, but for banks it’s a replay of the 2020 margin squeeze. Loan rates fall almost instantly, while deposit costs lag — creating a profitability gap. From corporate borrowers negotiating razor-thin deals to banks shifting towards retail…
Tractor & Rural Finance
The RBI’s revised co-lending guidelines, while aimed at strengthening transparency and risk sharing, have inadvertently dealt a blow to the lesser-used but strategically vital Model 2 structure. By mandating a minimum 10% on-book retention and a 5% first-loss guarantee from originating lenders, t…
Credit & Underwriting
Financial ratios can look pristine, but they rarely tell the whole story. In Episode 7, we peel back the layers using Suzlon Energy as a real-world example of how fund flow analysis reveals what ratios can’t. From cash movements to operational realities, this deep dive shows why credit evaluation…
AI & Digital Lending
While ratios offer a snapshot, they often miss the story behind the numbers. This episode reclaims the forgotten art of Fund Flow Analysis — a method that reveals the movement of money, not just its position. Through the case of SE Forge Limited, we explore how profits may mask deep liquidity gap…
AI & Digital Lending
BEYOND RATIO SERIES Introduction - Account Aggregator - Microfinance Microfinance Institutions (MFIs) have long been the torchbearers of...
AI & Digital Lending
Suresh’s digital credits are real, regular, and reliable — but not ‘reliable enough’ for traditional credit appraisal. This is the paradox of India’s MSME credit ecosystem: real-time data exists, yet trust still resides in paperwork. Despite the potential of the Account Aggregator (AA) framework…
AI & Digital Lending
Cash budgeting isn’t new—but it’s forgotten. MSMEs often operate with fluid, real-time decisions, and their survival depends not on audited profits, but on daily cash flow smarts. This episode reintroduces cash budgets as a practical bridge between traditional lending models and modern digital cr…
AI & Digital Lending
In an era where income flows through UPI apps and clients are onboarded via Instagram, traditional credit assessment models struggle to keep pace. This episode explores the story of Priya, a digital fitness coach, whose bank statement tells one story but whose digital footprint tells another. Can…
AI & Digital Lending
Traditional credit models often fall short when evaluating MSMEs that operate on digital payments, informal records, and real-time cash flows. This blog explores how alternate credit indicators — like UPI transactions, GST trails, and behavioral patterns — can offer deeper, more accurate insights…
AI & Digital Lending
Traditional credit assessment models in India, built on inventory cycles and turnover norms, no longer reflect the operational realities of many MSMEs — especially traders, service providers, and digital-first entrepreneurs. This blog challenges the legacy frameworks of Tandon, Chore, and Nayak C…
Fraud, Ethics & Governance
Cash Credit and Overdraft facilities were designed as lifelines for India’s working capital needs — flexible, revolving, and temporary. But over time, they have quietly morphed into heavy chains: perpetually drawn, poorly monitored, and weakening borrower discipline. This data-driven analysis unc…
AI & Digital Lending
When a forged WhatsApp letter drained ₹42.5 lakh from a government FD, no one questioned it. Why? Because everyone assumed someone else had. In this episode, we explore the subtle yet dangerous force of Collective Bias — how familiarity, symbols of authority, and social proof lull entire teams in…
AI & Digital Lending
Episode 11: Dormant Truths & Forgotten Claims “You don’t need to erase facts to erase hope. You just need to erase records.” A staggering ₹24,000 crore lies unclaimed from the Sahara refund pool — not because there are no investors, but because most have no way to prove they ever existed. This ep…
Fraud, Ethics & Governance
Opening Scene Mumbai, June 2025. Dr. K, a 73-year-old retired cardiologist, receives a video call. A woman, fluent in English, claims to...
Fraud, Ethics & Governance
How artificial deadlines make us bypass logic and fall into deception. 🧾 REAL STORY: A Missed Package, A Costly Click Kochi, 2023 ...
Fraud, Ethics & Governance
Curiosity-driven trust — when the urge to know overrides the instinct to pause. REAL STORY: The Email That Felt Too Specific Hyderabad,...
Tractor & Rural Finance
When a man in crisp whites, a red-beacon car, and bureaucratic polish walks into a village, suspicion doesn’t rise — respect does. In this episode, we unravel how looking like authority is often more powerful than being one. From Tamil Nadu’s fake Collector to global impersonators, we explore why…
Fraud, Ethics & Governance
She taught multiplication by day — and promised it in returns by night. In small-town Tamil Nadu, a beloved schoolteacher ran a secret Ponzi scheme that preyed on emotional trust, sisterhood, and silence. This episode explores how relational familiarity can blind even the wisest among us.
Fraud, Ethics & Governance
A voice message claiming to be from an AIIMS doctor warned against paracetamol during COVID — and it went viral. No name. No face. Just familiarity. In this episode, we unpack how truth bias thrives in closed networks like WhatsApp, and why the most believable lies often come from someone we trust.
Fraud, Ethics & Governance
When a fake IAS officer set up unauthorized vaccine camps in Kolkata, over 150 people were injected with saline — not medicine. This episode unpacks how truth bias and the placebo effect collided during India’s second COVID wave, revealing how easily we trust the system when it looks official.
Fraud, Ethics & Governance
He didn’t wield a weapon. He didn’t climb walls or hack into systems. All he carried was confidence, costume, and a cleverly printed card — and it was enough to walk into families, hearts, and bank accounts. That’s the dangerous power of truth bias when it wears the mask of authority.
AI & Digital Lending
(Based on the true story of the Susi Emu Farms scam, 2006–2012) If you drove past the outskirts of Perundurai , in Tamil Nadu’s Erode...
Tractor & Rural Finance
An elderly woman in North Chennai opens her door to a man in uniform — calm, courteous, clipboard in hand. He looked official. He sounded official. But what followed was a quiet theft that left behind no signs… except a lingering question: Why did I believe him? This is the beginning of our journ…
AI & Digital Lending
As AI becomes the new credit officer, can it judge fairly? This thought-provoking article explores real-life cases, RBI mandates, ERM risks, and the unseen consequences of algorithmic decisions in lending. When models exclude honest borrowers or overlook intent, we must ask: is the system accurat…
AI & Digital Lending
Originally written on Jul 21, 2018 There are those moments when it becomes difficult to tolerate broad brushing. This was a formal group...
Tractor & Rural Finance
Originally Written on Jun 21, 2018 "Vivek ! we are in the business of secured funding" announced a classmate of mine who worked for a...
Tractor & Rural Finance
Written Originally on Jan 7, 2018 One of the most fascinating aspects of the tractor is the way in which power gets transmitted...
Tractor & Rural Finance
Originally written on Nov 16, 2017 Practically every retail finance company out there is carving out “exclusivity” image which signifies...
Tractor & Rural Finance
Written Originally on June 12, 2017 “ What is Risk ? Can you define it for me ? “ was the question asked by a highly experienced...
Tractor & Rural Finance
Originally written on May 21, 2017 During one of our tea session discussions, one of my team mates asked " We have multiple functions...
Tractor & Rural Finance
Originally written on May 27, 2017 Questions that are frequently asked, with specific regard to Audit / Internal Check / Hindsighting -...
Tractor & Rural Finance
Originally written on May 1, 2017 Scene was a Board Room, and a new person inducted into the senior management was being introduced. His...
Tractor & Rural Finance
Originally Written on May 9, 2017 One of the first aspects I was taught to look at in a Tractor, was ........... Guess what - Not Engine,...
Tractor & Rural Finance
Originally written on April 16, 2017 I sat dazed after one of my training sessions. An enthusiast in class had asked me question, " Are...
Tractor & Rural Finance
Originally Written on April 1, 2017 - Reproduced as is, and may represent some facts relevant to those times. Yet the concepts are still...
AI & Digital Lending
AI-driven lending is fast, digital, and convenient—but are borrowers really aware of the hidden risks?Interest rates that dynamically change without notice Hidden processing & penalty fees buried in fine print…
Leadership & Reflection
WHAT's YOUR STORY ?This used to be standard tag line asked by one of my supervisors. Initially, it used to bug me and felt it lacked the seriousness in its tone and purport. It took me quite a while to understand it..…
Leadership & Reflection
Whilst half the country over is immersed in fighting “Vedic” battles over the relevance of Onam and the Thiruvonam day, it has been quite an experiential learning exercise this season at the heart of it all in Kerala.…
Leadership & Reflection
Recently read about Dr. Masaru Emoto's Water Experiments....... Showing the effect of Positive Energy and being associated with Postive thoughts.. Considering that water forms nearly 75% of the Brain material, this…
Fraud, Ethics & Governance
The study of the principle of Truth Bias, has exhibited some very beautiful behavioral patterns, specifically in the Rural Markets. However, the relevance of this, is in the context of defaults in repayments of loans…
Fraud, Ethics & Governance
As has been my experience, in my recent years of my career, the start point for any investigation, Underwriting, or process has been to check if all facts were correctly elicited and recorded and then check for…
Leadership & Reflection
Change of jobs, Change of roles, Change in bosses, Change in organizations, or New Organizations – I’m sure, irrespective of our vintage or age, all of us have had our fair share of fears. However, the enhancers, in…
Leadership & Reflection
Interesting lessons are learnt in real life sceanarios when you least expect it. The net result is that the lesson so learnt becomes part of you almost permanently.Success in selling or a sale, be it a tractor or a…
Credit & Underwriting
It was one of our chai sessions, when discussions meandered into questioning the need for a separate underwriting faction. The hypothesis :“Credit Assessment / Underwriting as a process is a drain / bane, in the RURAL…
Leadership & Reflection
Some of my recent experiences, with regard to visits to colleges and campuses as part of various initiatives, have aided in active engagement with students, and understanding their requirements and views. Let us take a…
Tractor & Rural Finance
Used Tractor valuation has always been a challenge. The attempt is constantly to metricize, templatize and simplify the valuation process. They buyer and seller need to conclusively arrive at a value. Today, majority of…
Leadership & Reflection
Pongal, this year has been special. It is a much more enlightening year. From the times of the "Jallikattu" or "Bull Fight", over a year back, there have been different representations of the Bull Fight, which was very…
Tractor & Rural Finance
A recent chance meeting at an Agri University, led a group of us discussing very broadly on the systems orientation / adapting of an algorithm based approach in Agri Business Management. It was very interesting to note…
Tractor & Rural Finance
“Navarathri” is one of most fertile marketing and sales period for Tractors and Farm Equipments in the country. In tamilnadu, we celebrate this period through “Golu”, exhibition of dolls and toy models depicting real…
Tractor & Rural Finance
It was a frenzied Monday morning, towards the month end. As I quickly ran through the figures. So what is surprising here ? The average usance / work based growth is about 5-6%, and a stretch to about 8%. So…
Leadership & Reflection
The “Pre-Owned” vehicles have always been a special segment !! To the world of tractors this is nothing new either. A colleague of mine was exchanging notes with me on the various facets involved in Used / Pre-Owned…
Leadership & Reflection
Ever wondered why the harvesters from every manufacturer looked almost similar. Ever wondered why a cultivator or a cage wheel looked the same irrespective of the manufacturer ? In early days, the implement manufacturer…
Credit & Underwriting
In a recent ACFE conference, I was lucky to hear Mr. Muralidharan, Co-Founder, Hethi, talk of "disruptive change" in a new and novel way. He was mentioning that if we could clone our knowledge / experiences into bots…
Leadership & Reflection
As i stood gazing at the Lord at Siddhi Vinayak Temple, Mumbai, i observed people revolving in the same place in which they stood, instead of the traditional practice of circumambulation around the deity in differential…
Tractor & Rural Finance
THUREEYA / SAHASRAHARA - The overview / Big Picture " The Brain " One of the main challenges in the assessment methodology is – Dissection / eliciting information with the big picture in mind. To understand this better,…
Tractor & Rural Finance
AGNA - Awareness / Red Flags " The Intuition" Facial expressions and show of emotions are by far the best indicators of intentions. Many a time these are quick, short or even subtle. Yet the trained eye is able to…
Tractor & Rural Finance
A question was posed by a fellow mate from the same finance industry, about the practicality of detecting frauds. He explained himself with an example. A customer was assessed by them, and found fit to be financed.…
Tractor & Rural Finance
Continued from Part 1.... ANAHADHA - Information Eliciting " The Immunity System" Information about the Customer builds better health in the Customer - Financier Relationship. Ultimately, irrespective of use, the…
Leadership & Reflection
Charismatic leadership style with a human touch is a rarity. Seldom do we have the opportunity to experience this style in all its glory. Yet, here is one such story. What is amazing is their ability to give new "family…
Credit & Underwriting
I was quite influenced by a training on Fraud Detection and Prevention recently, where a point came up about "Triggers" losing relevance with time. This was when the Trainer pointed to the underlying principle rather…
Fraud, Ethics & Governance
Introduction given in Part 1 ( Repeated for sake of continuity / reference ) : It looked like just another day. Yet, it was a day which got me crystallizing my views and thoughts. The topic is a clichéd one – Role of…
Fraud, Ethics & Governance
It looked like just another day. Yet, it was a day which got me crystallizing my views and thoughts. The topic is a clichéd one – Role of internal check mechanisms. Nay, it is not about how and where. It is about some…
Fraud, Ethics & Governance
Continued..... from Part 1.. ..highlights of a talk on "Fraud Prevention in Farm Equipment Financing" Observation 3 - Know your domain I've read about Luca Pacioli's Quote, which I shall use slightly differently - "He…
Fraud, Ethics & Governance
Let’s start this with a positive story – a business oppurtunity wise story and then we can correlate it to other scenarios One financier received a case where the customer had quote Lemon to be the crop. The business…
Fraud, Ethics & Governance
At a recent gathering, I was asked to speak on " Fraud Prevention in Farm Equipment Financing ", and this was more of an impromptu talk with little time to prepare. Yet, I gathered and covered the talk in points of…
Credit & Underwriting
"Do you know what makes the Quarter 4 the most challenging ? " asked a fellow mate. We were friends for years now and every time we meet each of us ramble on quite a few topics. This time he poised this question as we…