A History of Risk Assessment, with Raymond Anderson (Rayan Analytics)
How to Lend Money to Strangers
Brendan le Grange
4.9 • 43 Ratings
🗓️ 12 July 2021
⏱️ 38 minutes
🧾️ Download transcript
Summary
Raymond Anderson wrote the textbook on credit risk modelling, two of them in fact, and so when I was looking for someone to help me lay the foundation for How to Lend Money to Strangers, his name was top of my list.
How to Lend Money to Strangers will be a far-ranging show, in time hearing from lenders big and small, and in markets across the developed and developing world, but first, before we embark on that adventure,
I wanted to learn more about the forces that shaped the industry we know today. Raymond walks us through that journey, from spies in royal courts to FICO scores to machine learning, before I turn the spotlight on him to find out about some of the projects that have kept him interested in credit scoring for so long.
You can find out more about Raymond’s books at https://global.oup.com/academic/product/the-credit-scoring-toolkit-9780199226405?cc=gb&lang=en&
You can find a full written transcript of the show at https://www.howtolendmoneytostrangers.show/episodes/episode-01
And you can read my basic overview of scorecard building at https://www.howtolendmoneytostrangers.show/articles/the-very-basics-of-scorecards
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Transcript
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| 0:00.0 | So many people that I have speak to, I still have a recocused on banks. |
| 0:05.8 | But where did this start? |
| 0:08.1 | It didn't start in banks. |
| 0:09.8 | It started in trade credit and it started in store credit. |
| 0:14.6 | The banks were extremely late at all. |
| 0:17.5 | And as far as I'm concerned, they're still late at all. |
| 0:20.4 | It goes a lot slower. |
| 0:21.4 | You're just going to keep on having steam engines instead of Ferrari. |
| 0:36.7 | Welcome to How to Land Money to Strangers, the podcast about lending strategies from around |
| 0:58.5 | the world. |
| 0:59.5 | Because let's face it, not every show can be about true crime. |
| 1:03.8 | I'm your host, Brendan Lagrange. |
| 1:05.6 | I've been working in consumer credit risk for the last 20 years, within landers and |
| 1:09.9 | consultancies, delivering projects across the credit life cycle and in over a dozen countries |
| 1:15.3 | from Africa to Europe to Asia. |
| 1:17.5 | And for almost all of that time, my job was to translate analytical potential into business |
| 1:22.3 | affecting stories. |
| 1:24.0 | That's what I want to bring to this podcast. |
| 1:25.9 | I'll be speaking to a range of technical experts, business owners and those who have a bird's |
| 1:30.3 | eye view of their local lending market, to hear how they think about solving the problems |
| 1:35.8 | in lending money to strangers. |
| 1:37.9 | These stories will vary greatly from bank to fintech, from developing market to develop, |
... |
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