Credit scorecards are built on the understanding that consumers’ previous behaviour will predict future behaviour. However, black swan events, such as Covid-19, create large behavioural changes in a population affecting the accuracy of the scorecard. Pre-emptive policy changes and ongoing monitoring can help a company manage these shifts and maintain the scorecard.
Digitalisation allows customers to demand greater accountability from brands and companies. After public outcry against TRESemmé’s racist advert, its products have been pulled from major retailers in South Africa. Whilst
A Western Cape based retailer approached Incline to do a credit risk ‘Health Check’ for them, since they had expanded their store footprint and turnover significantly in the prior few
Incline is proud to welcome Denis Dell as our first guest blogger. Denis is a credit risk and collection strategy expert from TechnoCore (part of The Incline Group). In this
Limit Management is probably the most powerful profit driver that any lender, particularly a transactional lender can use. In this brief article, we explore why this is so and what
James looked pensive – as Sales Director for a large retailer, the lower sales numbers being recorded this month were worrying. He walked over to Gordon, the Credit Head and
In our last blog James and Gordon had come to an impasse. James, as Sales Director, had created a strategy based on a KPI that targeted an increased number of
Credit scorecards are built on the understanding that consumers’ previous behaviour will predict future behaviour. However, black swan events, such as Covid-19, create large behavioural changes in a population affecting the accuracy of the scorecard. Pre-emptive policy changes and ongoing monitoring can help a company manage these shifts and maintain the scorecard.
Digitalisation allows customers to demand greater accountability from brands and companies. After public outcry against TRESemmé’s racist advert, its products have been pulled from major retailers in South Africa. Whilst
A Western Cape based retailer approached Incline to do a credit risk ‘Health Check’ for them, since they had expanded their store footprint and turnover significantly in the prior few
Incline is proud to welcome Denis Dell as our first guest blogger. Denis is a credit risk and collection strategy expert from TechnoCore (part of The Incline Group). In this
Limit Management is probably the most powerful profit driver that any lender, particularly a transactional lender can use. In this brief article, we explore why this is so and what
James looked pensive – as Sales Director for a large retailer, the lower sales numbers being recorded this month were worrying. He walked over to Gordon, the Credit Head and
In our last blog James and Gordon had come to an impasse. James, as Sales Director, had created a strategy based on a KPI that targeted an increased number of
