Carolyn Röhm - Data Science, Analysts, Leadership

Carolyn Röhm

Jul 24, 20244 min read

Today's musings...

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

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Linear or Non-Linear Algorithms: Which is Best for Credit Risk Prediction?

Carolyn Rohm

Apr 18, 20234 min read

Linear or Non-Linear Algorithms: Which is Best for Credit Risk Prediction?

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...

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How lessons from the Old Guard could lead to better outcomes

Carolyn Röhm

Apr 4, 20234 min read

How lessons from the Old Guard could lead to better outcomes

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....

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Maybe it's time to scrap Collections Fees?

Carolyn Röhm

Mar 21, 20234 min read

Maybe it's time to scrap Collections Fees?

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

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What can we learn from a decreasing approval rate?

Carolyn Röhm

Mar 14, 20235 min read

What can we learn from a decreasing approval rate?

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

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6 tips to challenge the status quo and drive positive meaningful change

Carolyn Röhm

Mar 7, 20235 min read

6 tips to challenge the status quo and drive positive meaningful change

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....

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5 conversations more important than model accuracy when communicating with business

Carolyn Röhm

Feb 28, 20235 min read

5 conversations more important than model accuracy when communicating with business

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

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4 Machine Learning mistakes to avoid by doing the fundamentals well

Carolyn Röhm

Feb 21, 20236 min read

4 Machine Learning mistakes to avoid by doing the fundamentals well

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....

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Exploring the Pros and Cons of Disruption: From Fear to Excitement

Carolyn Röhm

Feb 14, 20233 min read

Exploring the Pros and Cons of Disruption: From Fear to Excitement

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

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3 steps to creating stronger teams and driving increased profit

Carolyn Röhm

Feb 7, 20234 min read

3 steps to creating stronger teams and driving increased profit

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

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How credit providers' blind spots can lead to unexpected losses

Carolyn Röhm

Jan 31, 20235 min read

How credit providers' blind spots can lead to unexpected losses

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...

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6 tips to improve your strategic thinking and stand out from the crowd

Carolyn Rohm

Sep 26, 20225 min read

6 tips to improve your strategic thinking and stand out from the crowd

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

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Thinking funny, spades and one’s place in the world

Carolyn Röhm

Sep 23, 20225 min read

Thinking funny, spades and one’s place in the world

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

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Statistical significance or materiality - What's it about? Why is it important?

Carolyn Röhm

Aug 9, 20223 min read

Statistical significance or materiality - What's it about? Why is it important?

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...

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If you're not moving forwards, then you're going backwards...

Carolyn Röhm

Jun 2, 20223 min read

If you're not moving forwards, then you're going backwards...

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...

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Is ignorance bliss? Is perception reality? Does it matter?

Carolyn Röhm

Feb 10, 20221 min read

Is ignorance bliss? Is perception reality? Does it matter?

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

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Champion success by adopting the right tool for the job!

Carolyn Röhm

Dec 9, 20212 min read

Champion success by adopting the right tool for the job!

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...

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In a world where we can be anything, who do we want to be?

Carolyn Röhm

Dec 2, 20213 min read

In a world where we can be anything, who do we want to be?

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

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Carolyn Röhm

Nov 24, 20214 min read

What is the point of analysis?

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

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The 3 critical skills-sets required to be a great analyst

Carolyn Röhm

Nov 22, 20212 min read

The 3 critical skills-sets required to be a great analyst

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...

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