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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

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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35:54

This unicorn wants to eliminate the cost of consumer...

How to Lend Money to Strangers ·

2023/06/01

“So how is it that we can make credit more equitable and affordable? The question hasn't changed, it is the answer that needs to change.”In a traditional model, the end-to-end cost of consumer credit involves the merchant paying a commission to the credit card company for facilitating the payment, the consumer paying the credit card company fees and interest for maintaining a line of credit, and the merchant paying Google or Meta for presenting an ad to their audience. As a career credit guy, I’d

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34:04

Bridging the academic-practitioner divide at the...

How to Lend Money to Strangers ·

2023/05/25

When I first conceived of this show, I actually assumed it would be more academic in nature, more about the practical 'how' than the strategic 'how' as it were. When it went live, though, it quickly became clear that it would be more about fintech, more about uncommon global viewpoints. But that's not to say that I don't still love getting into the weeds of credit scoring minutiae!So I am delighted to have weaselled my way into the Credit Scoring and Credit Control Conference that's happening in

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25:19

Bringing their financially inclusive world to the UK,...

How to Lend Money to Strangers ·

2023/05/18

I've been an immigrant three times: into Denmark with Experian, into Hong Kong with HSBC, and most recently into the UK with TransUnion. So, I understand some of the issues immigrants face, but you'll also notice that each of my moves was made under the wing of a big financial services company, which made for soft'ish landings. Most people don't have the same support. And it is not just about getting a credit card in week one, it's about getting a phone contract, renting a house without needing to

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22:49

A Practitioner's Guide to Unsecured Lending Risk...

How to Lend Money to Strangers ·

2023/05/11

A credit risk specialist with over two decades in credit risk spread across Canada and the US, Frank Tian now writes, teaches, and consults on a wide range of lending risk management topics - so in this episode, I pick his brain, delving into everything from content to creation to the regional bank crisis and how AI might actually be the productivity boost we need to navigate ageing populations in the developed world.Your best bet for all things Frank Tian is https://www.franktian.net/ but as he

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26:28

Flexible and adaptable loan terms, with Damien Burke...

How to Lend Money to Strangers ·

2023/05/04

☝️ Click above ☝️ to follow the show, it is pretty much the only thing that keeps the show visible and it makes me very happy.Paydown curves are one of my favourite things. Get a few glasses of wine in me and the right audience at an industry event, and I'll happily chat about them long into the night. The thing is, they can create the impression that there's only one route to Present Value = 0 And that really doesn't need to be the case. After all, everything else in life fluctuates, so why can't

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25:31

Special re-release: How to stop lending money to...

How to Lend Money to Strangers ·

2023/05/03

Stephen Hawking starts A Brief History of Time with an anecdote he attributes to Bertrand Russel who, having just finished a lecture on the heliocentric nature of the planets’ orbits, was challenged by a lady in the audience.“What you have told us is rubbish.” She said, “The world is really a flat plate supported on the back of a giant turtle.""If your theory is correct, madam," Russell replied, "then what does this turtle stand on?""You're a very clever man, and that's a very good question," she

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26:45

Untangling bureau data, with Dillon Harindiran...

How to Lend Money to Strangers ·

2023/04/27

Last week I compared credit bureaus to city walls, defensive structures that, because they’re solid and immovable, can keep the riskiest of customers out, but, also because they’re solid and immovable, can’t always let all the good customers in. Today, we look at those walls from the inside, and it turns out, their design is keeping some defenders out, too. Let’s say the first step is too high for some to step up onto. Am I stretching this metaphor too far? Possibly. The idea is that lenders and

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26:49

'New to credit' shouldn’t mean 'too risky for...

How to Lend Money to Strangers ·

2023/04/20

About five years into my time in Hong Kong, I slipped my foot into a shoe only to bump into a frog sleeping inside it. Rough calculations say that, by that stage, I’d slipped a foot into a shoe 3,650 times in the city so the odds were greatly stacked in my favour. And yet, so great was my shock, and so increased was my awareness of what might slip under the door, that I checked every shoe every morning from there on out.Lending is similar. The pain from the one loan you lose can overshadow the joy

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25:47

Community-sourced loans for SMEs, with George Cook...

How to Lend Money to Strangers ·

2023/04/13

I scheduled this episode to follow the Honey Badger episode because I liked the alignment of their names, but I could just as easily have linked it to the Wine Funding episode, because we're once again turning engaged fans into even more engaged financiers! Only this time, we're taking all comers.So when George says Honeycomb is "helping business owners really activate this community of customers and fans and neighbours that they already have, and to level up those customers and turn them into

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26:54

Imagery that only your customers will know, with Matt...

How to Lend Money to Strangers ·

2023/04/06

I'm bad at passing KYC checks. I know the classics, mother's maiden name, first pet, colour of my first car, all that sort of stuff. But, chances are, so do the fraudsters. Where I struggle is the financial data that banks now use, I simply don't pay that close attention to what they name their products, I don't know if my wife having a secondary card means I have two credit cards or one, I don't know which email address they have as their one on record, and I don't remember when I opened my last

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31:06

Your interest paid in fine wine, with Maxime Debure...

How to Lend Money to Strangers ·

2023/03/30

When you lend someone money, you give up the usage of those funds - temporarily if things go well, permanently if they don't - and so, to make it worth your while, you charge the borrower interest. That's just business. But sometimes business is good to you, and instead of your interest being paid in boring old Euros, you get paid in fine wine!That's the concept behind WineFunding, the world's first crowdfunding and alternative financing platform specifically for wine companies. With equity and

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23:58

A fintech pioneer and change bringer in Pakistan,...

How to Lend Money to Strangers ·

2023/03/23

When Naureen Hyat and Humza Hussain joined forces with Nadeem Hussain, the founder behind the world’s second-largest branchless banking solution, they decided to pivot their B2B microfinance business towards the consumer, giving rise to Tez, the first FinTech in Pakistan to get a digital lending licence. They made mistakes quickly and learned from them, creating a scalable and digital lending model with risk at or below the levels of the OpEx heavy manual models of old."Our first cohort was probably

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27:18

Building a Canadian loan marketplace, with Vlad...

How to Lend Money to Strangers ·

2023/03/16

This whole show is built on the premise that lending money is a tricky endeavour, but, let's face it, borrowing money can sometimes be easier said than done, too: instalment or revolving, secured or unsecured, long-term or short-term, monthly cost versus APR, affordability versus need, etc.There's a lack of transparency and a lack of knowledge. "And when there is a lack of knowledge, there is a lack of trust, and as long as there is a lack of trust, there's always going to be a hindrance to the

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57:43

Pay your rent and I'll give you the house, with Ike...

How to Lend Money to Strangers ·

2023/03/09

Imagine you rent your home.Now imagine your landlord gave you a straight choice: (1) pay rent for forty years, renewing the lease biennially for the rest of your life, or (2) pay the same rent for thirty years at the end of which your landlord gives you the house.Pick your answer, but don't tell me yet, because I have one more pair of choices for you, this one from the funding side of things.This time I want you to imagine yourself as an investment manager at a pension fund with £1 billion to

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24:28

Opening a beer faster, with Oli Tomson (Era)

How to Lend Money to Strangers ·

2023/03/06

This is a special episode for two reasons: (1) it is my long-awaited debut in Australia, a market that's slipped through the gaps for too long on this show, and (2) it's a birthday bonus episode. Well, no, actually, it's actually special for three reasons, because it is also a story about taking chances. First, someone had to take a chance on Oli, when he was a restaurant manager looking for a change into credit risk management. Then Oli had to take a chance on a restaurant of his own, when he was

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32:28

Closing a mortgage faster, with Eilon Shalev (Elphi)

How to Lend Money to Strangers ·

2023/03/02

The fact that it takes 45 days to close a mortgage in America today is not just a one-time hassle for home buyers, it can be a source of ongoing compounding costs. Nobody wants that, least of all Eilon Shalev my guest today and the co-founder and CEO of Elphi, a fintech that wants to bring that down to fifteen days.“Elphi is a technology company. We provide enterprise software as a service to mortgage lenders, to help them close loans faster. That's the gist of it.”You can find Elphi and more on its

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24:18

Transforming the credit landscape in Central Asia,...

How to Lend Money to Strangers ·

2023/02/23

Alif Bank has grown into one of the leading fintechs in Central Asia; and with its portfolio of Sharia-compliant lending, payments, and banking products it's showing that fintech can be based on noble values.Alif Bank and all its products can be found at www.alif.tj (click the link to jump to English) or on LinkedIn at https://www.linkedin.com/company/alif-capital/Abdullo himself, who you've heard is very personable, is also there at https://www.linkedin.com/in/akurbanov/You can read about the

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23:14

Now you can buy that boat you've always had your eye...

How to Lend Money to Strangers ·

2023/02/16

So you want to own a boat but you don't know how to finance it? Then we've got you covered. I'm in Venice with the family this week, a city more closely linked to boats than almost any other. That's a coincidence. We're not talking about gondolas or cruise ships, today, but we are talking about pretty much every vessel in between. You can read more about Salt and its launch at https://www.salt-finance.com/Joe is on LinkedIn, as is Salt itself (they're also on Instagram, where their pictures are

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28:06

Turning a customer obsession into retail credit, with...

How to Lend Money to Strangers ·

2023/02/09

"Retailers are obsessed about consumers." And it is by leveraging the fruits of this obsession, their understanding, that retail creditors can take on the bigger, more cheaply-funded banksRCS is found at https://rcs.co.za/ and they're on LinkedIn, too (plus Facebook and Instagram)Mobicred is at https://mobicred.co.za/Read more about the RCS rising star tennis academy at https://www.tennissa.co.za/w/play/rising-star-tennis (or click here to read the announcement and at see a snap of Regan's

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