Anatomy of a Credit Report (What Lenders Actually Use – and Ignore) The argument usually starts because someone has zoomed in too far. It’s a portfolio review on unsecured retail. The big numbers have been covered. GNPA, flow rates, vintage curves. Then an analyst puts up a slide with a screenshot of something everyone recognises […]
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How Often Should You Check Your Credit Score? The two extremes Some people never check their credit score until a loan gets rejected. Others refresh their score every week and panic over every 5-point move. Both extremes create problems. Let’s find a middle path. The real purpose of checking You don’t check your score to […]
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Foreign Ownership: Risks & Safeguards (The Part We Prefer to Skip Over) The first time foreign ownership really came up, it wasn’t on a risk slide. It was on page 36 of a Board pack, under “Regulatory & Legal Updates”. The Company Secretary read it out in that neutral tone people use when they don’t […]
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The Rise of CRIF High Mark (Seen From the Lending Floor) The first time CRIF really came up in a senior meeting, it was almost by accident. It was a retail credit review for a mid-sized bank. Most of the deck was familiar: CIBIL-based score distributions, GNPA by band, roll rates across buckets, a few […]
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