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PODCAST

How to Lend Money to Strangers

Brendan le Grange

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,

business management

All Episodes

24:03

Lending innovation in Finland, with Kim Ahola...

How to Lend Money to Strangers ·

2023/02/02

When I moved to Scandinavia, Finland quickly became one of my favourite countries to work in. That much colder than my home in Copenhagen, it was where I first experienced 'proper snow'; visiting Helsinki before Moscow, meant it was where I got my first up-close experience of Russian-Byzantine architecture and a sense of being truly far from home; and thanks to its stoic people, it taught me to present to an audience with near zero interaction, a skill that served me well when Covid lockdowns meant

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29:53

Financing the property industry, with Paul Watts...

How to Lend Money to Strangers ·

2023/01/26

In any property transaction, you need a willing buyer and a willing seller. What you don’t need, but almost always have, is a disinterested lender. That third wheel can be problematic, so Paul Watts is trying to get rid of it via owner financing for home builders. As Paul mentioned, Lenuity’s home page is at https://lenuity.co.uk/ but you can also find him on LinkedInYou can learn more about Barclays Eagle Labs and the Black Founder Accelerator here: https://labs.uk.barclays/ You can learn more

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26:03

Credit management meets innovation and ethics in...

How to Lend Money to Strangers ·

2023/01/19

Developing markets have a reputation for being unavoidably high-risk for lenders. And sure, developing markets are associated with less stable employment which can undermine repayments but in reality, how much of the observed historical losses could be avoided by embracing local knowledge and implementing better collections? It turns out, quite a lot of it. And by better collections, mind you, I don't mean tougher collections. In fact, its almost the opposite. BFREE is a Nigerian fintech founded on

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30:51

Transformative change in credit scoring, with Sanjay...

How to Lend Money to Strangers ·

2023/01/12

“AI is not something that's come around today, right? What has changed is our ability to store an enormous amount of data economically; the processing speeds; and the speed of transmission of information. Those three in combination are the most fertile ground to bring AI to life.”As we’ve heard on this show before, AI as such is not a new tool, but it is now really coming of age. And today’s guest, Sanjay Uppal, co-founder and CEO at Finbots.ai, saw an opportunity to use it to transform and

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22:35

Helping students to achieve their financial goals,...

How to Lend Money to Strangers ·

2023/01/05

I'm almost old enough to start voicing opinions about youngsters needing to cut their hair and get themselves some jobs. Which is convenient, because that's sort of what we're talking about today with Ethan Fraenkel from ProGrad - a UK-based fintech that's taking an objective-first approach to improving student financing. "You're not looking for car financing, you're looking to buy a car, you're not necessarily looking for credit, you're you're looking to make a purchase, you're not looking for

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28:15

Growth from a small island, with Mark van Beuningen...

How to Lend Money to Strangers ·

2022/12/29

To grow from a small island you need a dual aspect: looking inward, CIM has a relationship with about 60% of commercially active Mauritians; looking outward, CIM is expanding into East Africa and possibly beyond?You can read more about CIM's finance arm at https://cimfinance.mu/mu/en/ Or, if you'd rather visit them and the beautiful island of Mauritius in person, here's where you can start your planning https://www.mymauritius.travel/ 🤣You can learn more about myself, Brendan le Grange, on my

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20:27

Pioneering fintech in Uruguay, with Mateo Infantozzi...

How to Lend Money to Strangers ·

2022/12/22

In one way, it's slightly surprising that Mateo Infantozzi Riembau was a fintech founder. Not because there were no signs of entrepreneurial thinking, but because his early successes came from the travel industry. And yet he's done it twice, at a time were "there was little room for startups in Uruguay, and even less room for fintechs". But local innovators have changed that quickly. Now "fintech is sexy", and Mateo and his co-founders played a significant role in that change.You can find Prezzta at

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26:16

A credit bureau for emerging markets, with Burak...

How to Lend Money to Strangers ·

2022/12/15

When I was living in Denmark and working at Experian, my boss’s boss was a rockstar, you would never hear Burak Kilicoglu ’s name mentioned without an associated compliment. And I wasn’t the only one to notice, so he was soon snapped up by Creditinfo to be their Director of Global Markets - a perfect-sounding guest for this show, right? Unfortunately, though I tried, I never managed to get Burak on…That’s how I introduced my episode with Paul Randall, CEO of Creditinfo but I’m pleased to say, it is

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26:56

Building the P2P app she needed because no one else...

How to Lend Money to Strangers ·

2022/12/08

I’ve said it before, and I’ll say it again, I feel an affinity for the peer-to-peer lending model. My initial interest was sparked during an MBA project 16 years ago and reinvigorated more recently by interviews on here with Monexo and Kiva. And I’m building on that today, with Anzhelika Osmanova, founder of Lendwill, a community-first P2P platform coming to us out of Norway. You can read more about Lendwill, right where you’d expect to, https://lendwill.com/ (worth the click for the design touches

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31:05

Strategy meets data science when it comes to SME...

How to Lend Money to Strangers ·

2022/12/01

“This is not a small change, and it doesn't affect isolated groups. This is not just an IT problem. This is not just a modelling problem. This is not something the business can solve on its own. This really requires board attention to actually bring together those teams and ensure that there is really cohesion across the organisation.” - Frank Gerhard, Solution Associate Partner and CTO at Risk Dynamics, part of McKinsey & Co.Gone are the days when senior business leaders could leave the data

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29:44

NFT-backed crypto loans, with Nuno Cortesão (Zharta)

How to Lend Money to Strangers ·

2022/11/24

Pawnshops are one of the oldest forms of lending, allowing people to turn assets they’d like to keep for the long-term into cash in the short-term - granny’s broch, those statues great uncle Thomas brought back from Greece, your Bored Ape Yacht Club NFT. OK, one of those is not the same as the others, but our definition of ‘asset’ is changing, so where do holders of digital assets go if they want to access quick cash but they don’t want to sell?Well, maybe to Zharta,“a real-time NFT loan platform

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31:34

Tax credit lending in future industries, with Zach...

How to Lend Money to Strangers ·

2022/11/17

“If you look at the things we do as a company, whether it's in digital assets, renewable energy, or media and entertainment, we are always looking at how to structure financial products to push disruptive industries forward. We are banking on, and betting on the future.”Let's fund a movie. Truth be told, I don’t watch a lot of movies these days. There was a time I could use long flights to catch up, but even those days are gone for now. Maybe that’s why I’ve never spent much energy thinking about

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22:47

Gamifying a route to a long-term credit relationship,...

How to Lend Money to Strangers ·

2022/11/10

The Mexico lending market is not one I know well. It’s not one I know at all, truth be told.Luckily, Jorge Enriquez is blessed with an infectious laugh and an easy manner that immediately put me at ease. It’s something I soon learned was part of the DNA of his business: “we understand that asking for a loan is a stressful situation, so we need to create the right environment for our customers to feel 'eh, we got you, you're with Credilikeme, just chill, relax, we're going to take care of

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34:05

More appealing credit card offers (and a trip around...

How to Lend Money to Strangers ·

2022/11/03

The credit card landscape glitters with options for the consumer - different rewards earned at different rates, in different ways, sometimes with an annual fee and sometimes not, all wrapped in countless different brands and colours. Chances are, there’s a product out there that is perfect for every consumer. Chances are, it’s bloody hard to find.That’s where Chris Hutchins comes in. In, All The Hacks, Chris gets deep into the weeds matching consumers to credit card offers with an understanding of

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27:00

Fueling your business with other people’s money, with...

How to Lend Money to Strangers ·

2022/10/27

“Would I prefer cash through debt, or cash through equity?I would always choose cash through debt - what happens in partnerships is one person always works harder, and there is always some level of resentment towards the other ones, (and) you could always find a coach, you could always find a consultant or a mentor. And typically, you're going to have a lot fewer challenges.”There's good debt and bad debt. Essentially, debt is good when it is funding the purchase, today, of an asset that will create

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39:02

Using the power of amortisation for good, Jinesh...

How to Lend Money to Strangers ·

2022/10/20

I spend a lot of time talking about how to create debt for consumers. I do it because I believe that, when done right, debt can be beneficial to all parties involved, like a mortgage that generates wealth for the middle classes through property ownership. But that doesn’t lessen the fact that debt carries a cost, a cost that is now quickly rising. We know that mortgage rates are on the up, because it’s on every other newspaper headline these days, but what’s harder to ascertain is what we can do

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39:39

Holding up a mirror to the lending industry, with...

How to Lend Money to Strangers ·

2022/10/13

"Fairness in pricing often starts with the idea of competition - if there's healthy competition, that will bring the price down. But, in the United States, if you look from the 1990s to the 2020s, credit card profits have steadily risen, and real interest rates have steadily risen and at the same time, default rates have fallen and it's just less expensive, in some ways to run a credit card company than it used to be - so I think that's the first clue that the pricing isn't fair".In this episode of

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28:13

A more inclusive credit score for lending and...

How to Lend Money to Strangers ·

2022/10/06

Credit scores are near to my heart. I kinda work around them now, but still, I spent a wonderful decade rolling the things out and so I’m getting back to my roots. In today’s episode, Toni Hubbs talks to me about how the team at VantageScore is driving inclusion and transparency in credit scores at scale (a really, really big scale), and about how and why those scores are being used in securitization deals.Head on over to https://vantagescore.com/ to find all their educational materialYou can find

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35:38

How to lend money to refugees, with Lev Plaves (Kiva)

How to Lend Money to Strangers ·

2022/09/29

This is a special interview for me. HTLMTS doesn't pull in huge volumes of listeners, but that's OK, that's not really what I'm after. I want the right listeners, not the most listeners, and so I get excited when a guest tells me they got a business lead after their interview, or when one guest asks to be set up with another for some new project, or when, like today, I get to look inside a company that I've long admired.Kiva first came into my consciousness in 2006 as an early grad school project. I

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19:53

Crypto-backed mortgages, with Phil Blows (ByBrix)

How to Lend Money to Strangers ·

2022/09/22

In February, I spoke to Phil Blows about backing traditional loans with digital assets. The crypto markets had a rough time in the months that followed, so I wasn’t expecting much progress on that front, but I was wrong. Bull markets are a great time to build, after all.So I have Phil back today, talking about ByBrix and their new crypto-backed mortgage offering. And sure, to crypto outsiders like me, this might feel like a scary time to be building in this space, but as Phil reminds me, “a lot of

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185 results

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