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AI & Digital Lending
…d automation almost every day now. They appear in conferences, vendor presentations, LinkedIn posts, annual reports and leadership conversations. But beyond the language, what is actually visible? Are banks merely experimenting with chatbots and digital journeys? Or has AI begun…Read in full
AI & Digital Lending
…Fairness. Role clarity. Outcome measurement. The objective is not only speed. The objective is better lending quality. Leadership Implication For leaders, the flywheel creates a practical way to think about AI. Do not begin with technology. Begin with the lending journey. At eac…Read in full
AI & Digital Lending
…customer as a replacement for the relationship. It should sit behind the frontline and make the frontline stronger. The Leadership Implication For leaders, the first step in AI-led transformation is not to announce AI pilots. The first step is to identify waste. Where is waiting…Read in full
Fraud, Ethics & Governance
…d the braver question: “Do we need all this anymore?” And then, they deleted 5,673 items that were once sacred. That is leadership. That is accountability. That is confidence in the future. The invitation before Indian banks If the regulator can rewrite its own DNA —from 9,446 fr…Read in full
Fraud, Ethics & Governance
TAT - The untold stories There was a time when bankers feared NPAs, audits, inspections, and credit committees. Today, they fear something far more colourful: the next morning’s TAT dashboard . One red cell is enough to trigger panic. People raise queries they…Read in full
Leadership & Reflection
There are moments in every professional life that are measured not by timelines, but by stillness — that quiet, unsettling space between what has been and what is yet to be. The phase of corporate transition sits precisely there — between gratitude and uncerta…Read in full
AI & Digital Lending
…n operations, adaptive risk models, export-linked product design. Government: Stabilisation funds, tariff-free corridor leadership (India–UK FTA), compliance simplification. Clusters: Product-market agility (MMF shift seen earlier), digital platforms, global buyer mapping. The fa…Read in full
AI & Digital Lending
…ed opportunity. Disclaimer: The views expressed in this article are personal and intended for informational and thought-leadership purposes only. They do not represent the official position of any institution or employer. The examples used — including characters like “Suresh” — a…Read in full
Tractor & Rural Finance
…any way lower in importance than the other. Harnessing Negative Energies also into Positive Power is part of effective leadership. The right mix of all 4 strokes creates POWER – TEAM POWER. LESSON 2 : TRANSMISSION : POWER OF TRUST I start this learning from a recent talk deliver…Read in full
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.. The concept of story-telling As we grow u…Read in full
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. This onam, we decided to try own recipe of…Read in full
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 experiment showcased the importance of remain…Read in full
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 given by many financiers. Many of them hav…Read in full
Leadership & Reflection
…do not have to face the same. Let the power of positivity prevail. Let confidence prevail. Be it Parenting, Team Work, Leadership or Networking – Instilling Trust and Faith should be our method. Happy Navarathri 2019 !Read in full
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 financial product or any product for that ma…Read in full
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 FINANCE background. “ Instead of straight…Read in full
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 closer view of students from Agricultural…Read in full
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 convincingly put forth as part of a thesi…Read in full
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 , of trends, where in many farmers used t…Read in full
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 Tractors. The key link as we discussed, turn…Read in full
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 did not matter. The category, class and…Read in full
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 count depending on the deity. It symboli…Read in full
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, we take the example of a jigsaw puzzle w…Read in full
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…Read in full
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 team had seen a huge oppurtunity… yet the c…Read in full
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 sat by the beachside catching up on old ti…Read in full