For years, fraud and credit have operated in separate silos. But Zions Bancorporation’s recent $50 million charge-off — tied to suspected fraud and borrower misrepresentation — is a clear sign that those boundaries are disappearing. Fraud isn’t just a compliance problem anymore – it’s a credit quality problem. Managing credit risk starts with managing truth.

At Happy Prime, our support for Women in Credit Risk & Collections goes far beyond corporate social responsibility box-ticking. It’s about recognising a fundamental truth in our industry: diverse thinking leads to better risk management.

The latest housing data shows we’re firmly shifting into a buyer’s market, with residential stock levels at their highest since 2015. More available homes mean increased competition among sellers, driving the need for sharper pricing and better presentation. Properties are also taking longer to sell, another clear sign the market has cooled. For buyers, this brings greater choice and negotiating power.

What exactly is Loud Budgeting, and why might it be the financial buzzword of the year?

The future of credit scorecards lies at the intersection of traditional logistic regression models and AI.

As businesses and financial institutions face a growing number of climate-related challenges, it’s imperative to ask the question: should...

One of the primary benefits of using survival analysis in credit risk management is that it allows lenders to identify high-risk customers

Lenders and financial institutions use different methods to evaluate a borrower's creditworthiness.

What are AVMs? And how do they help estimate the market value of a property? Read more to understand their advantages and limitations

What is net worth and does it have an impact on discretionary spending? We explore how the relationship is not always straightforward