Consumer Credit Risk
I specialize in interpretable and regulatory compliant Machine Learning models for banks/fintechs across the lending lifecycle including Acquisitions, Customer Management, Collections, and Fraud.
I also lead the firm’s credit risk research where we dive deep into the latest trends in the consumer credit industry, alternative data, and new lending products such as BNPL and Credit Builders.
White papers
Deep dives into topics of interest in consumer credit.
- A Quick Overview of Modern AI for Lenders – 04/2024 [link]
- Impact of Student Loan Deferrals & Early Risk Indicators – 10/2023 [link]
- Credit Risk Trends in the Covid Era – Increasing Subprime Concentration and Student Loan Deferrals – 01/2022 [link]
Credit Risk Quarterly Reports
Comprehensive reports on the state of the U.S Consumer Credit Industry with proprietary views across asset classes including Credit Cards, Personal Loans, Auto Loans, and Mortgages.
- 2022 Q2 [link]
- 2022 Q3 [link]
- 2022 Q4 [link]
- 2023 Q1 [link]
- 2023 Q2 [link]
- 2023 Q3 [link]
- 2023 Q4 [link]
Blog Posts
Syed Raza 