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How to Lend Money to Strangers — Business
How to Lend Money to Strangers

A podcast about lending innovation and lending leadership in all the markets in which it takes place, however diverse those markets may be. In fact, it’s a case of ‘the more diverse the better,’ with guests from New York to New Zealand discussing everything from crypto-backed mortgages to crowd-funded loans for refugees to gamified loan journeys to AI-powered credit scores.

I am the host, Brendan le Grange, and I have spent the last twenty years working in – or alongside – lenders in Africa, Asia, and Europe and I’m using that experience to find and learn from industry insiders in a series of weekly interviews. Sometimes, those interviews discuss the inspiration behind a new start-up, sometimes they look back at a career spent at the lending coal face, and sometimes they explore where the latest technologies might take us. In the end, if it shapes a lending decision, we’ll talk about how. You can join us every Thursday here, or wherever you prefer to find your podcasts.

You can find more at www.HowToLendMoneytoStrangers.show

Or follow my other projects at https://confirmu.com/, https://www.joinhumoni.com/, https://chaos-out-of-order.com/

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Copyright: © Copyright 2021 All rights reserved.

Latest Episodes:

Lending: it's a risky business, with Carolyn Rohm Apr 11, 2024

Show notes

Always curious, always outspoken, Carolyn Rohm has a deep passion for helping analysts and analytical teams to engage with the wider business and stakeholders to deliver solutions that provide real value and bottom-line benefits. In today’s episode, we talk about her career in credit risk, about the different nuances of credit risk analytics in high-risk and low-risk environments, about credit scores and credit strategies, about analytics for modern collections, and about how to build teams with hard and soft skills.

Carolyn is at home online at https://www.carolynrohm.com/ (or just straight in and book a complimentary 30 minute chat at https://calendly.com/carolynrohm/30min?month=2024-04)

Luckily, much of Carolyn’s insight and wisdom is captured in her book - It’s a Risky Business: A field Guide to Retail Consumer Credit Analytics - which you can get from her sitebut also on Amazon.com and .co.uk and, I imagine, all the others.

But also feel free to find her on LinkedIn: https://www.linkedin.com/in/carolynrohm/

Scores4All is on LinkedIn, too, but their homepage is over here: https://www.scores4all.io/

I'm on LinkedIn and always open to new genuine connections - https://www.linkedin.com/in/brendanlegrange - please do reach out, and follow the show's page, too

And finally, I'm also co-creating a new podcast called hAIghtened senses which will look at the intersection between human senses and technology, especially AI-powered technology. You can already start to follow it wherever you're listening to this one - there's only a trailer there at the moment, but we've recorded some of the early episodes and it's going to be a fun ride!

Keep well, Brendan

Hosted on Acast. See acast.com/privacy for more information.

Automating complex data-driven decisions, with Martin Chudoba (Taran) Apr 04, 2024

Show notes

The global covid pandemic shut down a lot of things, but new vehicle supply chains were among the hardest hit. A knock-on effect of that was that Taran, an advanced analytics and AI consultancy saw their hot lead for a new contract evaporate. But sometimes setbacks are really opportunities in disguise, and as Taran's leadership team adjusted to put all their eggs in their remaining project, they realised that they were more than a consultancy, they had a product on their hands - and, more or less, that's how Taran Decision Manager was born.

In today's episode, I'm speaking to Martin Chudoba, co-founder and CEO about that journey, and about how Taran DM can help lenders to automate and improve their complex, data-driven decisions.

As you'll hear, you can find Taran on LinkedIn: https://www.linkedin.com/company/taran-ai/

Which is also where you'll be able to reach out to Martin (https://www.linkedin.com/in/martin-chudoba-76703b15/) or Steve Henderson (https://www.linkedin.com/in/steveghenderson/) who is the MD of their North American operations

Or you can go straight to the source, and find what you need over at https://tarandm.com/

I'm on LinkedIn and always open to new genuine connections - https://www.linkedin.com/in/brendanlegrange - please do reach out, and follow the show's page, too

Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24

But I'm also co-creating a new podcast called hAIghtened senses which will look at the intersection between human senses and technology, especially AI-powered technology. You can already start to follow it wherever you're listening to this one - there's only a trailer there at the moment, but we've recorded some of the early episodes and it's going to be a fun ride!

Keep well, Brendan

Hosted on Acast. See acast.com/privacy for more information.

Mobile-first lending in Tanzania, with Nassor Abubakar (NMB Bank) Mar 28, 2024

Show notes

Caleb Maru called M-Pesa the "company that changed Kenya forever", and the crazy thing is, its impact was even bigger than that - because the dominoes that M-Pesafirst tipped over in Kenya, seventeen years ago, are still having an impact all over East Africa. In today's episode, I'm speaking to Nassor Abubakar, an M-Pesa veteran and digital lending expert who is spreading mobile-first digital loans across Tanzania with NMB Bank.

You should follow Nassor on LinkedIn for https://www.linkedin.com/in/nassabuba/

NMB is at https://www.nmbbank.co.tz/ and on LinkedIn at https://www.linkedin.com/company/nmb-plc/ and on Twitter, Facebook, Instagram

The Finscope Report mentioned can be accessed here: https://www.afi-global.org/wp-content/uploads/2023/08/Finscope-Tanzania-2023-Report-Insights-that-Drive-Innovation.pdf

Caleb Maru's TechSafari is at https://www.techsafari.io/ or jump straight to the M-Pesa story at https://techsafari.beehiiv.com/p/company-changed-kenya-forever

I'm on LinkedIn and always open to new genuine connections - https://www.linkedin.com/in/brendanlegrange - please do reach out, and follow the show's page, too

Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24

If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.

Hosted on Acast. See acast.com/privacy for more information.

Unleashing CreditPy, with Ayhan Diş Mar 25, 2024

Show notes

In the world of data science, there are people like me, who have signed up for an online Python course but just not got around to starting it yet, and then there are people like Ayhan Diᶊ, who, given a spare month, create a Python package to succeed the highly successful CreditR by simplifying tasks such as variable analysis, model development, and calibration and validation with unparalleled efficiency 😂

Ayhan Diş is a Quant Professional renowned for shaping sophisticated data-driven solutions across diverse sectors, and we discuss what AI and ML can bring to the world of credit risk modelling, a future with Generative AI tools further improving our toolbox, and what regulators have to consider in their rulings.

You can explore CreditPy on PyPI (https://pypi.org/project/creditpy/) and GitHub (https://github.com/ayhandis/creditpy)

You can reach out to Ayhan directly on LinkedIn at https://www.linkedin.com/in/ayhandis/

I'm on LinkedIn and always open to new genuine connections - https://www.linkedin.com/in/brendanlegrange - please do reach out, and follow the show's page, too

Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24

If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.

Oh, and In this episode, I got to have a bit of fun incorporating Daniele's drumming into the introduction - isolating them from the full track using https://splitter.ai/

Keep well, Brendan

Hosted on Acast. See acast.com/privacy for more information.

Have you talked to your kids about data science? With Daniele Forni (HSBC) Mar 21, 2024

Show notes

"Data is a bit like the blood of an organisation. It goes everywhere. However, because it goes everywhere, you cannot just silo it somewhere. Of course, you need to have some standards around data, but every part of the of a business has to be responsible for the data".

Daniele Forni cuts through systems and technologies to solve the complex data issues that otherwise prevent financial institutions and startups from unlocking their data potential. And luckily, he loves sharing those insights with us: on LinkedIn, at conferences, in articles, in free-to-download reports such as his Guide to Data for AI, and in books for professionals and their kids alike!

You can find all of Daniele's work at https://www.danieleforni.com/

Or follow him on LinkedIn: https://www.linkedin.com/in/danieleforni/ And he's just moved to Hong Kong, so if you're there, pop into HSBC and say hello 😁

The Pirate and Ris on your local Amazon or directly atwww.littledatascientist.co.uk

Is It Pronounced Data or Data? is at https://lnkd.in/e3HZRN-d (USA), https://lnkd.in/excjrGCW (UK), https://lnkd.in/eAy2nsPT (IT), and https://lnkd.in/eyYdYw3U (ITA)

Daniele's music (Doctor Shall Burn) is at https://open.spotify.com/artist/4KR0BUcZj5eOV9mxLgrniw?si=SPhptSMoTU-GchQruC-PmA

I'm on LinkedIn and always open to new genuine connections - https://www.linkedin.com/in/brendanlegrange - please do reach out, and follow the show's page, too

Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24

If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.

Oh, and In this episode, I got to have a bit of fun incorporating Daniele's drumming into the introduction - isolating them from the full track using https://splitter.ai/

Keep well, Brendan

Hosted on Acast. See acast.com/privacy for more information.

Streamlining Australian home loans, with Vincent Turner (Uno Home Loans) Mar 14, 2024

Show notes

Designers speak about 'the job to be done' - you don’t need a taxi or an Uber or tuk-tuk, you need to get home to bed; you don’t need a mortgage, you need to finance your house purchase; you don’t need to spend every second weekend researching market rates, you just need to be on the best deal you qualify for. In this episode, I speak to Vincent Turner about Australian mortgages, about startups and why ‘early-stage businesses’ is perhaps a better term, about design thinking and deep working, and about a rather special belt.

Uno is at home online at https://unohomeloans.com.au/ Or on LinkedIn at https://www.linkedin.com/company/uno-home-loans/

You should check out Yoku belts at https://yokumensbelt.com/ (you know you need a smart new belt)

And you should also follow Vincent at https://www.linkedin.com/in/vhturner/

LinkedIn is also where you can find and connect with me: https://www.linkedin.com/in/brendanlegrange (please do reach out, follow the show's page, and share the content with your networks)

Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24

If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.

Keep well, Brendan

Hosted on Acast. See acast.com/privacy for more information.

Rwanda on the rise, with Sam Tayengwa (TransUnion) Mar 07, 2024

Show notes

Rwanda is rising as a regional financial centre, catching the East African fintech wave to drive economic and social transformation and to broaden financial inclusion. In today's episode, I'm speaking to TransUnion's CEO for Rwanda and Head of Africa Growth Regions, Sam Tayengwa to hear about the energy and progress that's bubbling to the surface there. We talk about mobile loans, of course, but also the emergence of old classics like mortgages and vehicle loans.

TransUnion is, as Sam said, at https://www.transunion.com/ but also at https://www.transunion.co.za/ and https://www.transunionafrica.com/rwanda (I think he got that a little wrong in the episode)

You can jump straight to Sam at https://www.linkedin.com/in/samtayengwa/, he's well worth the follow, and also check our TransUnion Africa's regional president, Lee Naik at https://www.linkedin.com/in/naikl/ and subscribe to his Elewa newsletter at https://www.linkedin.com/newsletters/elewa-africa-thinking-6706525337850781696/

LinkedIn is where you can find and connect with me: https://www.linkedin.com/in/brendanlegrange (please do reach out, follow the show's page, and share the content with your networks)

Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24

If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.

Keep well, Brendan

Hosted on Acast. See acast.com/privacy for more information.

A massively more inclusive credit score, with Charles Wandia (gnuGrid CRB) Feb 29, 2024

Show notes

The story of East African fintech is built around the mobile phone. Not the smartphone, mind you, but the humble feature phone. In markets where all but the most significant of locations lacked an established infrastructure of landlines and local bank branches, these phones leapfrogged both: powered by pre-paid sim cards that often served as a secondary currency and cleverly leveraged USSD technologies. But it has been seventeen years since M-PESA arrived on the scenes and yet traditional credit tools have often failed to cross the floor - in Uganda, the credit bureaus are filled with the data of there are just 2.4 million traditionally banked consumers, while a further 14 million sit waiting, with their data-rich mobile banking histories all but ignored.

But no more. In today's epsidoe I'm speaking to Charles Wandia of gnuGRID who, with Airtel, have built a national-level mobile credit score.

gnuGRID is the first and only indigenous credit reference bureau in Uganda, enabling financial inclusion through credit information sharing - and you can find them online at https://gnugridcrb.com/

You can also watch the official launch of that score at: https://www.youtube.com/watch?v=4VbEI_0l57A&t=19s

gnuGRID is also on LinkedIn, of course, as is Charles Wandia: https://www.linkedin.com/in/charles-wandia-983b4a65/

As you'll hear on the show, Charles also offers tailor-made training on credit scorecard development via Credit Tick Consulting at https://www.linkedin.com/company/credit-risk-tick-consulting/

Speaking of LinkedIn, that's where you can also find and connect with me: https://www.linkedin.com/in/brendanlegrange (please do reach out, follow the show's page, and share the content with your networks)

Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24

If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.

Keep well, Brendan

Hosted on Acast. See acast.com/privacy for more information.

A canary in the credit mine, with James Fell (Credit Canary) Feb 22, 2024

Show notes

"At its core, Credit Canary is a data platform that consolidates and reconciles multiple different data sources in a standardised way to produce a really rich set of flags and real contextual insights. And the essence of that is flexibility within lending. With the data that we have, there is a great opportunity not just to help make better decisions, but to help make better lending products." - James Fell, Founder and CEO

All too often, a borrower and their unique circumstances are thought about at the point of application and then entirely forgotten until a payment or two is missed. That might have been OK in a world of slow and scarce data, because what else could you do, but that excuse doesn't hold up any more - and with credit data, open banking data, and more, Credit Canary are helping us to put that right.

You can find Credit Canary and view their offerings at https://www.creditcanary.co.uk/

James gives his email in the episode, or you can find him on LinkedIn https://www.linkedin.com/in/jamesafell/ In fact, the whole team is available there (https://www.creditcanary.co.uk/about)

And while you're there, find and connect with me at https://www.linkedin.com/in/brendanlegrange

Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24

If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.

Keep well, Brendan

Hosted on Acast. See acast.com/privacy for more information.

The only mortgage you'll ever need, with Arjan Verbeek (Perenna Bank) Feb 15, 2024

Show notes

"It's important that in every interest rate environment, in every market environment, an average family can afford an average home" - Arjan Verbeek, co-founder at Perenna Bank.

The UK mortgage market has long been underpinned by the belief that, as long as the music kept playing, you would be able to refinance from one lender's short-term teaser rate to the next, without ever having to pay the full price... but then the music stopped and UK borrowers found themselves saddled with fast-rising standard variable rates. Household budgets were torn to shreds, and all while inflation ran rampant on the High Street, too.

Few escaped. And perhaps fewer still realised that variable rates were the reason they'd been unable to qualify for a mortgage in the first place. Variable rates can, of course, vary, and so, not wanting to carry the risk for this, lenders build a buffer to protect themselves through both a regulatory stress-test applied to affordability calculation and a significant down payment requirement. In a world where we all have to stretch ourselves incredibly thin to afford a house, that can be the difference between renting again and owning.

If only there was another way... like, say, the way they've been doing it in Denmark for the last two hundred years! In today's episode, I'm speaking to Arjan Verbeek, co-founder and CEO at Perenna Bank and vocal proponent of fixed-price long-term mortgages in the UK.

Perenna Bank is over at: https://perenna.com/

They're also on LinkedIn at https://www.linkedin.com/company/perenna/

As is Arjan himself, who is well worth the follow: https://www.linkedin.com/in/%F0%9F%87%B3%F0%9F%87%B1-arjan-verbeek-5884681/

And while you're there, find and connect with me at https://www.linkedin.com/in/brendanlegrange

Meanwhile, my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is discussed at https://confirmu.com/ and on episode 24 of this show https://www.howtolendmoneytostrangers.show/episodes/episode-24

If you have any feedback or questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.

Keep well, Brendan

Hosted on Acast. See acast.com/privacy for more information.

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