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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

41:37

Streamlining Australian home loans, with Vincent...

How to Lend Money to Strangers ·

2024/03/14

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

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38:08

Rwanda on the rise, with Sam Tayengwa (TransUnion)

How to Lend Money to Strangers ·

2024/03/07

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

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24:06

A massively more inclusive credit score, with Charles...

How to Lend Money to Strangers ·

2024/02/29

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

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26:21

A canary in the credit mine, with James Fell (Credit...

How to Lend Money to Strangers ·

2024/02/22

"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 CEOAll too often, a borrower and their unique circumstances are thought about at

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26:35

The only mortgage you'll ever need, with Arjan...

How to Lend Money to Strangers ·

2024/02/15

"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

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29:26

Turbocharged AI analytics, with Carey Anderson...

How to Lend Money to Strangers ·

2024/02/08

Big data analytics used to require multiple sources of data, fed into your systems via a complex array of pipes of varying structural integrity: leaks, hassles, and something to be left to only the most advanced of data organisations. In today's episode, we find out how all that has changed:"As the name suggests, we are one big data pipe with a lot of information flowing through it, and we fuse that with AI to produce some high-value analytical products coming out the other end. And this 360 degree

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28:26

Tokyo: Asia's next FinTech hub, with Morris Iwai

How to Lend Money to Strangers ·

2024/02/01

Japan is an uncommon blend of known and unknown: I drive a Nissan, you might drive a Toyota, my TV is a Sony, and since my time in Hong Kong, my go-to beer on hot days is an ice-cold pint of Asahi... but I know little about their FinTech scene. So, to set that right, I sat down with Morris Iwai, a seasoned business executive with 20+ years of experience in the credit card, consumer lending, and payments industries of the US, Taiwan, Singapore, and, of course, Japan.Morris shares that experience -

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28:24

Agile decision systems for modern lending needs, with...

How to Lend Money to Strangers ·

2023/12/21

You can't afford rigid systems in a world that moves fast, but also, for a long time at least, you couldn't afford agile systems in a more dollars and cents sort of way. But these days you can.Timvero's solutions are all laid out at https://timvero.com/ or head towards a demo by jumping straight to https://timvero.com/request-a-demo/ You're welcome to start a discussion with Dmitriy over on LinkedIn https://www.linkedin.com/in/dmitriy-wolkenstein-7a19b79a/ And while you're there, come and find and

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23:39

Aiming when you can't see the target, with Clare...

How to Lend Money to Strangers ·

2023/12/17

When you want a model, you typically start with a target variable in mind. But sometimes that's not possible. Perhaps you're entering a new market or expanding into a new niche, you could start lending on a small scale and wait to see what happens. We used to call that a deep risk test, often somewhat euphemistically when a cohort was accidentally approved through a gap in the system. But even if you're happy to take a chance, that takes time - there's no way to shortcut a 12-month outcome. Enter

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25:46

Optimising credit limit increases for profit, with...

How to Lend Money to Strangers ·

2023/12/07

"Causality is the new explainability."We all know credit limit increases are one of the most, if not the most, important levers in the card profit model. And we all know the reality of managing credit limits is far more complicated than the theory - every action has a reaction and all of that. So we focus on pulling back and releasing the spring of the pinball machine and then just get ready to react as best we can.But as data analytic techniques become more advanced, we can plan more and leave less

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27:49

Multi-currency and cross-border lending, with Jorge...

How to Lend Money to Strangers ·

2023/11/30

I've got a drawer in my bedside table that is filled with an assortment of foreign notes and coins: euros and dollars and Rands that I need relatively often but that I'll nevertheless forget to take when I travel next; some Indian rupees that have long since been decommissioned; some Hong Kong dollars because how can it have taken me four years to find an excuse to get back; some, what I think are Cambodian riel; and an unseemly number of hotel room keys. It's chaotic, but even more organised people

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20:49

Who defaults on Covid loans, with Maurizio Fiaschetti...

How to Lend Money to Strangers ·

2023/11/23

No good deed goes unpunished and no well-intentioned government loan program goes undefaulted upon, even more so when that government program was designed and implemented in the chaotic early days of the COVID lockdowns.We've all seen the headlines, but what do the numbers say, what sort of businesses have been defaulting on COVID loans in the UK? Well, Dr Maurizio Fiaschetti is writing the paper on it - along with Drs Ahmed Barakat, Meryem Duygun, Eddie Gerba (PhD), Tian Han, Enrico Onali, Afshin

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21:41

AI-powered lending for Colombian businesses, with...

How to Lend Money to Strangers ·

2023/11/16

Nearly two out of every three Colombian jobs are in the informal economy! That's a huge number that needs to come down, and no doubt it will, but until then, someone really needs to bring the benefits of formal financing to the small business owners in the informal sector. Enter Quipu with whose AI-powered loan decisions "growing is easier, fairer and more alternative".You can find Viviana on LinkedIn at https://www.linkedin.com/in/viviana-siless/There's a Quipu page there, too,

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30:39

The right content in the right hands at the right...

How to Lend Money to Strangers ·

2023/11/09

We all love how easy it is to change bank accounts these days... until it is our customers (and their planned-on deposits) who are moving. After all, we just sent them a pamphlet that very clearly invited them to apply for a loan at an APR of between 5% and 25% variable on term and risk and changes in the base rate, and subject to final credit checks, and late fees and penalties could apply in certain circumstances - that's a good deal, what was there to not understand?Our lending business have

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23:44

Lithuanian fintech is compact and agile, with...

How to Lend Money to Strangers ·

2023/11/02

It's only thirty years since Lithuania's broke free from the Soviet Union, but already it's home a buzzing fintech scene: "Leapfrogging was probably the largest idea behind the Lithuanian success". Join me and Jekaterina Rojaka, Chief Commercial Officer (CCO) at Creditinfo Lietuva, as we explore the roots of that success.Creditinfo Lithuania can be found at https://lt.creditinfo.com/en/ or jump straight to https://lt.creditinfo.com/en/strongest-in-lithuania/ for award-winning Lithuanian

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31:56

KYC Better, with Sasha Marley (Bonafidee)

How to Lend Money to Strangers ·

2023/10/26

"Trust matters more than ever, but in today's anonymous landscape, it is becoming rarer by the day. (At Bondafidee) we want to change that."I recently sat down with Sasha Marley for one of the most personal interviews I've done here, because fraud isn't just a numbers thing, it has very real human impacts.Bonafidee is at home online home at https://bonafidee.com/ (or jump straight to YourQNA at https://bonafidee.com/features/your-qna-kba/)As she mentioned in our chat, Sahsa is very active on

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27:00

Building the scaffolding for a Nigerian credit boom,...

How to Lend Money to Strangers ·

2023/10/19

Nigeria is Africa's biggest economy. Or maybe not quite, economic variables can be hard to measure and somewhat fickle, but whatever way you slice this cake, it is in the top three with Egypt and South Africa. Fintech has played a growing role in that economy, but until now, almost none of the 'fin' that the 'tech' has been modernising was lending-related."I knew that if Nigeria was going to grow and the middle class was going to emerge, there has to be a credit culture, right?And I knew that one

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30:12

Loans to build communities, with Moishe Gubin...

How to Lend Money to Strangers ·

2023/10/12

Moishe Gubin is a workhorse, a mule. And now it's paying off: for him, for the banks he leads, and for the communities they serve. In today's episode we chat about work ethic and an old-fashioned path from the bottom to the top, we chat about what communities are, and we talk about bankers becoming a footnote in someone else's success story.Optimum Bank are at home at https://www.optimumbank.com/ (but as mentioned, you can also find more investor news by searching OPHC on the NASDAQ and financial

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26:37

Lending against distressed properties not to...

How to Lend Money to Strangers ·

2023/10/05

"Distressed property can always be repaired, not so distressed people. And so we focus on distressed properties. And that platform has worked very, very well for us: I've done a billion dollars of this, and I will tell you, I have never ever lent on a property that I was not able to fix."The modern mortgage model is designed to work at scale, so when a deal pops up that's a little outside the norm it can often be more efficient to say no quickly than to spend time thinking it over. But that means

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28:15

Enhancing decision accuracy, with Maik Taro Wehmeyer...

How to Lend Money to Strangers ·

2023/09/28

"If you help a bank to create lending IP, there's always a question around 'who now understands how it works' and 'who owns it'. And the lending IP, that is something that, as a fintech, as a bank, you should own yourself.And that is why (instead of consulting) we decided to build software that helps internal risk teams and internal credit teams to create more lending IP, faster, and on their own without having any external dependencies."Data used to be scarce and rigid, and so the legacy systems we

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184 results

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