I asked this question to each of our teammates for my assessment of clarity in communication. I knew I would fail miserably because I never had a simple answer to it. None of us had a simple solution. If it were simple, all of us would be speaking the same…

The ultimate objective is to get the least expensive loan with fewest of restrictions. Yet achieving these objectives is not easy. — Why is deciding on a cheap loan not easy? Lenders are super cautious in dealing with borrowers since the first caveman loaned a spear to a friend only to have it returned in little pieces. …

In 2015, my next-door neighbours defaulted on a home-loan by Axis Bank. I noticed it only when the recovery agents sealed the door and pasted a notification for auctioning the property. I was surprised that the agents had been visiting the property for months, yet I never heard any ruckus…

Rating agencies have been too charitable in rewarding ratings — Credit Rating Agencies have put asset managers in a fix After IL&FS, even DHFL has defaulted. Both were one of the biggest lenders at a point of time. None of the credit rating agencies brought down their rating to D (D is for default) until there was no other choice. In fact, neither IL&FS nor DHFL was never rated negative…

If you were a wealth manager or a lender analysing hundreds and thousands of narrations in bank statements every month, what would be most common data points of your interest? bank transfers ordinary financing tax payments income and spending patterns recurring transactions, and days of non-sufficient funds (NSF) All play…

Equity grows with character — Firstly, don’t listen to me because I have not tasted any success in a startup. Although it has been a decade of working in small companies and closely following startups, I am writing this from my experience in building two ramen profitable businesses — HelloMeets and Inkredo. …

During my conversation with friends, acquaintances and candidates applying for a job, I have come to a realisation that people have difficulty in expressing their understanding of what Inkredo is even after reading the blogs. …

Risk professionals, wealth managers and underwriters are in a race against time to stay ahead of the next unfavourable market shift. The good news is that there is an overwhelming amount of data available to mitigate risk today. But the increasing volume of data also presents a challenge. …

OCRs are failing at extracting all the useful data intended for analysis from user-generated images of documents — Mobile technology is increasingly playing a pervasive role both at home and office. Companies now allow users to capture pictures of documents very conveniently through a smart phone to quickly and safely send to intended recipients for extracting useful information. In the early 1960s, optical character recognition (OCR) was one…