Damien Jacques

Damien Jacques

Is this the end of expert scorecards?

Expert scorecards are one of the most widely adopted credit scoring approaches, especially among microfinance institutions active in emerging markets. But with recent analytical advances in credit scoring algorithms, are expert scorecards still a valid approach to determining creditworthiness? Trusted,…

Who’s fault is it when the customer defaults?

Entrepreneur looking worried.

How lenders in emerging markets can combine product design, service design and credit scoring to better manage risk. Lending to small-scale entrepreneurs in emerging markets comes with many risks. Financial realities are complex, revenue streams are inconsistent, and borrowers can…