Giving credit credit in the board room, with Marlize Buys

How to Lend Money to Strangers

Brendan le Grange

Credit, Fintech, Management, Lending, Banking, Business, Careers

5 • 2.6K Ratings

🗓️ 11 December 2025

⏱️ 57 minutes

🔗️ Recording | iTunes | RSS

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Summary

Data analytics is no longer an isolated and arcane backroom activity to be understood by only a handful of geeks, it's at the core of every successful lending business.

For those of us that have grown up in data science, that's great news, but that rising prominence also means that a new audience must now come to terms with the implications of machine learning versus logistic regression scores, with gini coefficients and information values and bins and weights, etc. And that new audience is an important one: the Board.

Marlize Buys started her career getting hands-on with credit scorecards, then she helped to build a lending business of her own, and now she is advising the boards of major banks with that particular transition.

Marlize has been so busy optimising lending businesses that she hasn't quite got her website up and running, but Most Probably is on LinkedIn at https://www.linkedin.com/company/most-probably/

Or you can speak to her directly https://www.linkedin.com/in/marlizebuys/

I'm on LinkedIn, too, at https://www.linkedin.com/in/brendanlegrange/

As is the show, please follow its page at https://www.linkedin.com/company/how-to-lend-money-to-strangers/ (once you have followed, look for the circle with the three dots in the header section, click that and then 'invite connections' and invite any of your colleagues who you think might like the content

You can support the show by buying one of my guests via the affiliate links on my site (it doesn't cost you anything extra): https://www.howtolendmoneytostrangers.show/recommended-reads

Commercial partners include (when you click one of these affiliate links, I earn a small commission but you won't pay a cent more)

ProtonVPN Browse privately with a community-owned secure VPN that safeguards your privacy. https://go.getproton.me/aff_c?offer_id=26&aff_id=12767

Ogma Risk & Analytics: Customized risk management and analytic consulting for you https://www.ogmara.com/?utm_source=HTLMTS&utm_medium=banner&utm_campaign=OGMA+intro&utm_id=2501

Friends of the show include: https://www.ontap.co.za/pages/hoedspruit-store-details (for all your Hoedspruit-based bathroom needs), https://www.joinhumoni.com, https://www.haboomoney.com/, and https://beetlesense.ai

And since you like podcasts, I'm also co-create hAIghtened senses with Christo van Zyl, in which looks at the intersection between human senses and technology

Keep well, Brendan

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Transcript

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0:00.0	I think we have missed that in many organisations, in that we give a task, but we don't explain
0:06.4	why the task is being given.
0:09.0	That's important.
0:09.9	That's how you build a strong team and strong analysts.
0:18.9	Good credit risk strategy has always been about asking questions that make the business better, more profitable.
0:26.1	And that hasn't changed over the last 25 years.
0:29.9	The tools to get to the answers might have, but the more important thing remains asking the right questions.
0:36.6	And that involves a much broader
0:38.0	understanding of what the business is trying to do.
0:40.6	You can build that understanding up by working for a while, or even perhaps in business school
0:45.0	before you start, but there's nothing better than learning at the call face as the founder
0:49.6	of a small lender, or indeed by working within a small lender where the pressure is extra high.
0:56.0	And my guest today, Mali's base, has done just that. And now she's working with executives
1:00.6	at all sizes of lenders, helping them to understand how to make their creditors strategy teams
1:06.0	more effective, more profitable, not just more accurate in their modeling. Before we get to Mollies, though, just a quick reminder that before the end of the year,
1:15.5	as a little Christmas gift to me, I would love it if you would follow the How to Land
1:19.9	Money to Stranger Show page on LinkedIn.
1:22.8	But more importantly, when you're there, to go and look at that page, and in the header bar there,
1:29.3	you will see a couple of buttons to show that you're following me, maybe to send me a message
1:33.8	or to visit the website, but next to those is a little circle with three dots.
1:39.1	Click that, and the top option you'll be given is to invite your connections.
1:44.1	Since you are listening to the show, I assume you work in lending.
	...

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