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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.
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…
Credit & Underwriting
Understand grey-zone jewellery lending archetypes: distributors, bullion-linked models and hybrids that blur ownership, inflate turnover, and hide risk.
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.
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…
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…
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…
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…
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…
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…