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Smarter Spending: Making the Case for Proactive Credit Risk Management in Tight Budgets
The current economy is driving tough decisions. Leadership teams are gathering around boardroom tables, armed with spreadsheets and...

Carolyn Röhm
May 193 min read
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Dreaming Bigger, Building Better
Reflections on the Creative HQ FinTech Lab 2025 Accelerator The Power of Community If there’s one thing the start-up journey teaches you...

Carolyn Röhm
Apr 285 min read
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Navigating Financial Uncertainty: Rising Arrears, Business Struggles, and the Path Forward for New Zealanders
TL;DR Consumer Arrears on the Rise  – Mortgage arrears are up 7% year-on-year, with personal loan and BNPL arrears also increasing,...

Carolyn Röhm
Feb 2510 min read
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Navigating the Credit Landscape in 2025: Balancing Borrower Support and Responsible Lending
Discover how proactive strategies, transparency, and ethical lending can transform the credit landscape in 2025. Read more now!

Carolyn Röhm
Jan 137 min read
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Responsible Lending: Why Proactive Support Matters, Especially in Today’s Economic Landscape
This past weekend I started quilting, and discovered that even something as simple as sewing in a straight line isn’t always as easy as...

Carolyn Röhm
Oct 30, 20245 min read
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Can I still use my models when everything keeps changing? Part 2.
External factors, such as economic and business challenges and seasonality, and how they impact predictive models in credit risk.

Scores4All
Oct 8, 20244 min read
15 views
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Problem Debt and Financial Well-being: The Role of Organisations and Governments
Problem debt impacts mental health and social stability. Society must act to mitigate its effects and enhance financial well-being.

Carolyn Röhm
Jun 11, 20245 min read
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Can I still use my models when everything keeps changing? Part 1.
Economic crisis, pandemic, recession… Let’s face it, the last 20 years have been a rollercoaster regarding granting and managing credit....

Scores4All
Mar 4, 20244 min read
15 views
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Mastering Data Communication: Expert Tips for Impactful Visualisation and Infographics
Top tips on creating more effective data visualisations.

Carolyn Röhm
Dec 7, 20234 min read
24 views
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Top 5 considerations when creating an in-house Data Science Team!
We're diving into the Dos and Don'ts of creating a Data Science Team.

Scores4All
Nov 2, 20234 min read
18 views
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