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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

24:13

In the end, it's all about the people, with Robbie...

How to Lend Money to Strangers ·

2023/09/21

We've spoken about lending systems, we've spoken about lending models, and we've spoken about the nuance of diverse markets and even more diverse market niches, but in the end, there's one thing that ties every successful lending business together: people. In this episode, I welcome Northreach's Robbie Blake about how fintechs can attract and grow the right talent, and about how the current market conditions are bringing new recruiting strategies to the fore.Northreach is over at

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30:51

Bridges to Credit: Alternative Data and Inclusive...

How to Lend Money to Strangers ·

2023/09/14

One of the most exciting things about working in emerging markets is the opportunity to leap frog old systems - a tool that once had a cutting edge is now an anchor, and to be free of it a means to be nimble.Now, I’m not suggesting traditional data has reached the point of being an anchor, but markets rich with it have created fully developed ecosystems that may be stifling innovation on other alternative data fronts.This is why it was so exciting for me to be given a chance to see what’s happening

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22:37

Cross-border BNPL in Brazil, with Vinícius Vieira (BEXS)

How to Lend Money to Strangers ·

2023/09/07

The Fifa World Cup is the biggest prize in football. So, about ten years ago now, the world's best men's team headed to Brazil with glory on their minds, but it wouldn't be easy: home to loud and loyal fans of the sport's most storied national team, winning in Brazil would take a monumental effort. In fact, many thought it would be impossible. Global lenders know the feeling. Home to half of the people in South America, the Brazilian market is oh so tempting, but oh so hard to break into. But not

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31:03

Advanced analytical models, with Dr Joseph Breeden...

How to Lend Money to Strangers ·

2023/08/31

Dr Joseph Breeden is an entrepreneur and a researcher. or perhaps I should describe him as an entrepreneur and a discoverer, so keen is his curiosity. And, with 30 years spent at the sharp point of credit analytics innovation, he is also a fantastic speaker on some of the most important topics of the day: machine learning, AI, and managing economic cycles among others. In fact, just yesterday, he delivered a phenomenal keynote address on the topics at the Credit Scoring and Credit Control Conference

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33:05

Resilience and speed, with Svitlanka Sergiichuk (NeoFin)

How to Lend Money to Strangers ·

2023/08/24

Today is Ukraine’s National Day, so there's no better time than to support the people in their endeavours to survive and resist the Russian invasion: donate to World Kitchen at https://donate.wck.org/give/499865/#!/donation/checkout or to Save Life in UA at https://savelife.in.ua/en/donate-en/#donate-army-card-monthly “Launch any lending business in an hour.” Normally I write a bit of a blurb here, but really it comes down to that. Launch any lending business in an hour. Actually, as you’ll hear,

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24:36

A look at revenue-based finance, with Pratik Sawal

How to Lend Money to Strangers ·

2023/08/17

It’s hard enough for consumers who earn precipitable salaries to manage unpredictable expenses, so imagine the situation for fast-growing e-commerce businesses that have unpredictable incomes and unpredictable expenses. To compensate for the perceived risk, big banks tend to take a very conservative view of repeatable earnings, hampering these businesses' ability to fund their growth.But what if loan obligations were tied to revenue instead of fixed every month? That’s a great question, and one

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21:36

A path to profitable lending, with Maik Taro Wehmeyer...

How to Lend Money to Strangers ·

2023/08/10

"Profitability is paramount for the global lending industry in 2023. But for lenders to increase profitability under the new status quo, much of the industry must undergo change. To stay ahead of the game, lenders need to fully enable every level of their business to react quickly to market changes and proactively steer their risk selection."Taktile is using cutting edge data tech to allow businesses to build, run and evaluate automated decision flowsquicker and more data-driven than ever before.You

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29:38

Know good | catch bad, with Sjoerd Slot

How to Lend Money to Strangers ·

2023/08/03

Criminals keep changing the game. Which is annoying, don't they know our models depend on them re-enacting the past behaviours over and over and over again? Sygno have flipped the script by modelling the good behaviour of your customers... because they're not trying to outmanoeuvre you. Also, there are a lot more of them. Sygno's automated machine learning technology generates monitoring models for Anti-Money Laundering and fraud to make transaction monitoring more effective at a lower cost.You can

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28:26

Scaling your impact, with Adriaan Schiphorst (Lendahand)

How to Lend Money to Strangers ·

2023/07/31

This week sees a Dutch double-header on HTLMTS, with two episodes I recorded in Rotterdam while attending Money20/20. First up, a bonus episode that explores how Lendahand gathers capital from socially conscious European investors to empower loans to entrepreneurs in the developing world. 250+ investors are backing d.light, for example, who, with a next loan of EUR 120,000, will provide product financing to families living in rural off-grid communities of Kenya.That project is currently fund-raising

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25:20

Financing everyday essentials for everyone, with...

How to Lend Money to Strangers ·

2023/07/27

We Finance Progress... when you visit www.m-kopa.com you're met with this brief but powerful message that, I think, captures the dual business and social impacts of their connected financing platform. In today's episode, I speak to Mayur Patel, Chief Commercial Officer at M-KOPA, about financing life-changing assets collateralized by the service those assets provide. And we talk about a lot more. M-KOPA was founded in 2010 to combine the power of digital micropayments with GSM connectivity to make

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26:02

How to lend money to astronauts, with Russell Shaw...

How to Lend Money to Strangers ·

2023/07/20

Today's episode stretches the lending niche, but fifty-four years ago, humanity landed on the moon, so I'm feeling flexible. And anyway, people lend to airport operators all the time, so it won't be too long until spaceports are seen as similarly stable fixed-cost operators.When I was younger, if a conversation involved a South African tech billionaire and space, you were talking about Mark Shuttleworth (lovely nominative determinism there, by the way). More recently, the same talking points would

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23:22

Pioneering mobile fintech services, with Seymur...

How to Lend Money to Strangers ·

2023/07/13

"Living without a bank account is not only a hindrance to everyday life, but also stunts the financial growth of families and communities. Seymur Mammadov, Founder and CEO of Simbrella, wants to improve the quality of life for unbanked populations through access to financial instruments and microloans." I don't usually quote a different source for these, but when your guest wins the title of EY World Entrepreneur Of The Year™, you feel like you have to aim the spotlight that way!Today the show is

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20:25

Familiar but digital, with Rohit Bhargava (BOMTech)

How to Lend Money to Strangers ·

2023/07/06

When I lived in Hong Kong, which was not all that long ago, there were these rather complicated-looking ATMs around town, covered with instructions to help you correctly feed a passbook into them without the staples causing problems. I never actually saw a passbook in the flesh, but they were explained to me as a paper-based statement of record that you updated as needed, like an automated receipt stamp after a significant deposit or withdrawal, rather than the statements the bank sent to you on

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30:46

Credit for African creators, with Chinedu Enekwe...

How to Lend Money to Strangers ·

2023/06/29

“So eventually we raised capital, left our previous platforms, and built this place where the black community around the world could feel like they belong, where their dreams can be financed, from innovation to stories. If they create content, we'll help finance it, we’ll help them grow. And that's the platform that we built.”Chinedu Enekwe was a fine example of the American Dream: the son of Nigerian immigrants who became a lawyer and then an investment banker. But then he surprised his parents by

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24:46

Buy Now Report to the Credit Bureau Now, with Simon...

How to Lend Money to Strangers ·

2023/06/22

It's no secret that I am a fan of the BNPL concept while still being a little nervous about how it has been implemented. Some of the valuations have been built on sand, but that's not what I'm concerned about here, instead, I'm referring to independent lenders all chasing growth with no thought to see the combined impact of their independent activities. Luckily, there's a relatively easy fixe for that: the good old-fashioned credit bureau. There's still work to be done to make the infrastructure fit

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24:46

How to lend money to underestimated entrepreneurs,...

How to Lend Money to Strangers ·

2023/06/15

Lendoe are a UK-based lender focused on supporting black, ethnic minority and early stage entrepreneurs. Their journey started when a few young adults raised £220,000 to save their church building from repossession, and, in so doing, discovered first-hand the lack of support offered to small businesses from underrepresented communities. I caught up with one-time entrepreneur, one-time investment banker, and now founder of Lendoe, Demi Ariyo, while we were in Amsterdam last week for Money20/20

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26:27

It's people helping people, with Craig Smith (JustLend)

How to Lend Money to Strangers ·

2023/06/08

Recorded yesterday in front of live audience at Money2020 Europe, I welcome Craig Smith back to the show. Last time we spoke, all the way back in episode 9, Craig was busy launching JustLend but a lot has happened since so we chat about that journey, about where JustLend are today, about communities, and also about a certain appearance on our TV screens.Anyone who caught Craig’s Dragon Den appearance will already know that their homepage is at: https://justlend.co/ (but also now at

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21:59

Bridging the trade financing gap for Sri Lankan small...

How to Lend Money to Strangers ·

2023/06/07

Recycling is a good thing, right? Well, in that case, let me recycle this from yesterday’s show notes. Most consumers borrow to manage expenses. It’s different for SMEs, though, who often borrow to drive income. As such, being denied credit is not just about having their lifestyle curtailed, it’s about having the business growth, and sometimes even their business survival, put at risk.“When iloan launched back in 2018, the lending market in Sri Lanka was $5 billion, almost 40% was which was raised

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26:30

From bankrupt borrower to millionaire lender, with...

How to Lend Money to Strangers ·

2023/06/06

Most consumers have a fairly steady income stream that turns hours into wages on a weekly, bi-weekly, or monthly basis. Sure, we hope those payments rise over time, but still, we’re typically talking in terms of percentages per year. And when we borrow, it's usually to spread a large expense into a series of smaller payments that better aligns with their earnings.It’s different for SMEs, though. Not only can their income streams rise and fall in multiples, but they can rise or fall in multiples

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31:20

The evolution of consumer lending in Poland, with...

How to Lend Money to Strangers ·

2023/06/05

Bartek Staszewski has seen the credit industry change during his career, but he's also seen his country change, and in the amplification of those two forces there's plenty of insights for all of us. Join us as we start Money20/20 week with a discussion of the Polish consumer credit landscape and about lessons learned from the coal face of one of the most changed markets in the world.You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), my action-adventure

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184 results

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