...not the most catchy title ever... But musings, to my way of thinking are not necessarily creative. They can lead to creative things....

In our world of credit risk, we typically try to solve one of two problems. The first problem that we often try to solve is a problem...

I spent the weekend playing the best sport in the whole world; my all-time favourite sport, a sport I started playing over 30 years ago....

Rising inflation, record profits, rising delinquency rates, a recession that may be on the way; what to do??? Recently there has been...

Question Time! Sometimes people ask me interesting questions Q: My approvals rate is decreasing over time, AND my arrears rates are...

They say that life happens when you make other plans… I’m still not entirely sure who they are, but they seem to have quite a bit to say....

Of course, model accuracy is essential, but it means nothing without these conversations. We saw it with COVID, and we saw it again with...

Top tip: Its not about the tools! We’re still drowning in commentary about ChatGPT and Bard and all sorts of other exciting AI stuff....

ChatGBT - the 5th horse of the apocalypse? Sinner? Saviour? Dystopian? Utopian? The end of the world or a brave new one? As Charles...

One organisation I worked for had a very strong sales and marketing culture, the credit risk team were seen as a roadblock, a big...

There was a story in one of the local papers in early January. A journalist had applied for a loan with a financial services provider...

Analysts and technical people aren’t usually known for their solid strategic skills. They’re seen as too task-oriented, too...

I tend to think of life as a grand adventure, filled with boundless possibilities; a place where anything, but not everything, is...

Spend enough time with analysts or people in Finance, and you'll have heard these terms. To my mind, there is a special place in hades...

A lot has been happening in the world lately, well, certainly in my world. I decided to write a book. It's about Retail Consumer Credit...

Kia Ora! I was discussing life, how we see ourselves and how others see us, with friends. Someone posed a challenge – ask for three...

I thought I would touch on the tools of the trade today. Back in the day, when I started my journey, I used a package called STATISTICA...

Every now and then there's quite the outcry over something that a company has done. Cambridge Analytica is one such scandal. It has...

Why do analysis? This may seem self-explanatory, we want to answer questions, that's the reason most analysts do analysis, but exactly...

To be a great analyst, you need, in my opinion, 3 key skill sets. You must be technically competent. You must have soft skills, and you...