While most of us use New Zealand dollars every day to buy goods and services, few probably stop to think about where that money actually...

Discover what low side overrides are, why they matter in credit risk management, and how to mitigate their risks for a healthier loan portfo

Explore the pros and cons of reverse mortgages vs. debt consolidation to find the best option for your financial goals and retirement needs.

Managing credit risk is like crafting the perfect dog biscuit—balance high-quality loans, diversification, and risk for a healthy portfolio.

Discover why first-time homebuyers often let emotions take the wheel, leading to decisions that defy pure financial logic.

At Happy Prime Risk Consultancy, we believe in straight talk and decisive action.

Addressing 'whataboutism' in credit risk improves clarity, risk assessments, and keeps discussions productive for effective strategies.

In this blog post, we explore what BNPL is and the pros and cons associated with this payment method.

Here's a step-by-step explanation of how bootstrapping works in scorecard development.

Monitor the credit risk cycle to reduce losses and maintain a healthy credit portfolio with effective risk management measures.

In this blog, we will discuss the concept of reject inference and how it is used in scorecard development.

Align objectives, actions, KPIs, and responsibilities with the X Matrix Planning tool for strategic credit risk management.

Information Value (IV) measures a variable's predictive power in credit risk scorecards, aiding robust and accurate credit scoring.

Explore how observation and performance windows enhance credit risk assessment accuracy and reliability in scorecard development.

Explore the essential role of application scorecards in credit risk management, focusing on accuracy and reliability.

Why do banks find house lending far more appealing? In this blog, we aim to unravel the intricacies of this capital-driven strategy.

Discover practical advice for managing financial difficulties.

Explore the nuanced debate on Debt to Income vs. Uncommitted Monthly Income assessments in banking.

We look at the dangers associated with unintentional bias in application scorecards and its profound implications on fairness, equality,...

Discover how recovery curves can improve collection and write-off management, boost financial health, and enhance organisation's processes.