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Happy Prime
Dec 17, 20243 min read
Low Side Overrides and Why Credit Risk Management Should Care
Discover what low side overrides are, why they matter in credit risk management, and how to mitigate their risks for a healthier loan portfo
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Happy Prime
Dec 13, 20243 min read
Pros and Cons of Reverse Mortgage v Debt Consolidation
Explore the pros and cons of reverse mortgages vs. debt consolidation to find the best option for your financial goals and retirement needs.
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Meurig Chapman
Dec 11, 20243 min read
Barking up the right tree: Credit risk lessons from dog biscuits
Managing credit risk is like crafting the perfect dog biscuit—balance high-quality loans, diversification, and risk for a healthy portfolio.
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Happy Prime
Dec 5, 20244 min read
Why People Buying Their First House Are Irrational: The Heart Is Stronger Than the Mind
Discover why first-time homebuyers often let emotions take the wheel, leading to decisions that defy pure financial logic.
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Happy Prime
Nov 27, 20243 min read
Time for lenders to back Kiwi talent, not just property
New Zealand's property-focused lending stifles SME growth. Shifting to business-backed loans can unlock potential in tech & services.
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Happy Prime
Nov 8, 20243 min read
Celebrating Seven Years of Excellence at Happy Prime Risk Consultancy
It’s our birthday! As we celebrate our seventh anniversary, we’re not merely resting on our laurels.
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Happy Prime
Oct 30, 20241 min read
Buy Now Pay Later - Happy Prime's Meurig Chapman on RNZ
Will Buy Now Pay Later (BNPL) face the same demise as peer-to-peer lending?
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Happy Prime
Oct 22, 20243 min read
We’re not here to f*ck spiders
At Happy Prime Risk Consultancy, we believe in straight talk and decisive action.
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Happy Prime
Oct 21, 20242 min read
We're proud to be partnering with Women in Credit Risk & Collections
Happy Prime has partnered with Women in Credit Risk & Collections.
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Happy Prime
Oct 18, 20242 min read
Monopolised capital market hinders Kiwis’ access to finance
Recent changes to the CCCFA, while welcome, are unlikely to significantly improve Kiwi access to finance.
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Meurig Chapman
Sep 17, 20242 min read
Whataboutism in Credit Risk Management: A dangerous distraction
Addressing 'whataboutism' in credit risk improves clarity, risk assessments, and keeps discussions productive for effective strategies.
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Meurig Chapman
Sep 11, 20243 min read
Buy Now, Pay Later (BNPL): What are they and are they bad for Kiwis
In this blog post, we explore what BNPL is and the pros and cons associated with this payment method.
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Meurig Chapman
Aug 20, 20243 min read
What Is Bootstrapping in Scorecard Development?
Here's a step-by-step explanation of how bootstrapping works in scorecard development.
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Meurig Chapman
Aug 13, 20242 min read
Credit risk cycle
Monitor the credit risk cycle to reduce losses and maintain a healthy credit portfolio with effective risk management measures.
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Meurig Chapman
Aug 9, 20242 min read
Reject inference
In this blog, we will discuss the concept of reject inference and how it is used in scorecard development.
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Happy Prime
Aug 5, 20243 min read
Climate change an imminent and unfolding storm for NZ homeowners
NZ faces rising uninsurable property risks from extreme weather. Happy Prime CEO urges action to prevent financial disaster for Kiwis.
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Meurig Chapman
Aug 1, 20243 min read
Strategic precision: Unveiling the power of X Matrix planning in credit risk
Align objectives, actions, KPIs, and responsibilities with the X Matrix Planning tool for strategic credit risk management.
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Happy Prime
Jul 24, 20243 min read
RBNZ’s DTI restrictions to make rich richer and poor poorer
Happy Prime is cautioning about the potential drawbacks of the new DTI measures.
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Meurig Chapman
May 29, 20242 min read
Information Value
Information Value (IV) measures a variable's predictive power in credit risk scorecards, aiding robust and accurate credit scoring.
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Meurig Chapman
May 21, 20243 min read
Explaining observation and performance windows in scorecard development
Explore how observation and performance windows enhance credit risk assessment accuracy and reliability in scorecard development.
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