Happy Prime
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
Oct 223 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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Meurig Chapman
Sep 172 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 113 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 203 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 132 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 92 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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Meurig Chapman
Aug 13 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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Meurig Chapman
May 292 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 213 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.
300 views0 comments
Meurig Chapman
May 152 min read
Application scorecards
Explore the essential role of application scorecards in credit risk management, focusing on accuracy and reliability.
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Meurig Chapman
Mar 182 min read
The capital conundrum: Why banks lean towards residential mortgages
Why do banks find house lending far more appealing? In this blog, we aim to unravel the intricacies of this capital-driven strategy.
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Meurig Chapman
Feb 204 min read
I can’t afford to pay my loan, what should I do?
Discover practical advice for managing financial difficulties.
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Meurig Chapman
Feb 132 min read
The unintended consequences of the Reserve Bank’s DTI requirements
Explore the nuanced debate on Debt to Income vs. Uncommitted Monthly Income assessments in banking.
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Meurig Chapman
Jan 222 min read
Unmasking unintentional bias: The hidden dangers in application scorecards
We look at the dangers associated with unintentional bias in application scorecards and its profound implications on fairness, equality,...
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Meurig Chapman
Jan 183 min read
The use of recovery curves in collection and write-off management
Discover how recovery curves can improve collection and write-off management, boost financial health, and enhance organisation's processes.
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Meurig Chapman
Jan 173 min read
The use of Markov Chains to forecast loss in credit risk
Markov Chains are a powerful mathematical framework that plays a crucial role in credit risk management.
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Meurig Chapman
Dec 13, 20232 min read
Deck the halls with boughs of holly and the scent of freshly printed credit reports – it's that time
We’re adding a sprinkle of financial wit to your festive season with some secrets to a credit-smart Christmas.
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Meurig Chapman
Dec 11, 20233 min read
What is the optimum sample size to build an application scorecard?
We explore what factors influence the choice of sample size and how to strike the right balance to ensure a robust and reliable method.
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Meurig Chapman
Dec 7, 20233 min read
Will AI replace traditional logistic regression models in credit scorecards?
The future of credit scorecards lies at the intersection of traditional logistic regression models and AI.
100 views0 comments
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