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My Father's Advice

MY FATHER'S ADVICE... 1. Not everything will go as you expect in your life. This is why you need to drop expectations and go with the flow. 2.Reduce bitterness from your life, that shit delays blessings! 3. Dating a supportive woman is everything. 4. If you want to be successful, you must respect one rule - Never lie to yourself. 5. If your parents always count on you, don't play the same game with those who count on their parents. 6. Chase goals, not people. 7. Your 20's are your selfish years, build yourself, choose yourself first at all cost. 8. Detachment is power. Release anything that doesn't bring you peace. 9. Only speak when your words are more beautiful than your silence. 10. Invest in your looks. Do it for no one else but yourself. When you look good, you feel good. Normalize dressing well, you're broke not mad. 11. Some people want to see everything go wrong for you because nothing is going right for them. 12. Being a good person doesn't get you lov...
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Credit Lending Iteration & Metrics -The Panagora Blog

 These are the various activity iteration in credit lending processes. The Credit lending business must be aligned with these processes in order to mitigate losses,PDO default cases and other financial downscale inherent in the business.

Customer Acquisition :PRODUCT DESIGN & DEVELOPMENT

  • Identification of target client segments
  • Product value proposition (Auto, personal loan, mortgage, credit card, payroll lending, etc.)
  • Pricing

Loss Management : FRAUD MANAGEMENT & COLLECTIONS

  • Fraud detection
  • Collection policies
  • Collection measures
  • Early warning framework

Operations & Underwriting : RISK ASSESSMENT

  • Risk Analysis Critetia
  • Scoring Models
  • Behavioral Underwriting

PROCESSING

  • Application processing
  • Authorization / Credit approval
  • Disbursement

Portfolio Management : CUSTOMER CARE

  • Credit line management
  • Cross-sell / up-sell

ACCOUNT MANAGEMENT

  • Results measurement
  • Incident resolution
  • Customer information system
  • Customer service.

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