One Collector's Challenge May Be Another's Opportunity
One could argue that collections is going through a paradigm
shift. Over the past decade, technological, social and ec...
Daniel Melo
Daniel Melo is a senior partner in Global Partners & Alliances. Daniel has more than 20 years of experience in credit, collections and risk management for large financial institutions in Europe and the Americas. His expertise spans all aspects of the credit lifecycle, working on analytics and scorecard development, strategy and change management, and direct operational management. Daniel has worked extensively solving client problems during volatile economic periods, particularly in credit risk management and debt collection, and in emerging markets.
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Are UK Cardholders Clinging to the Life Raft?
Over the past few quarters, I’ve commented on the generally positive card management trends shown by UK cardholders. It ...
Debt Collection Horror Stories
Last week, CNNMoney published the attention-grabbing “Debt collection horror stories.” While these stories are the extre...
Your Customers Are More Ready for Mobile Banking Than You Are
That is a bold statement, but – with a few noteworthy exceptions – it’s true. For evidence, just look at the report yest...
UK Cards Data Suggests Action Items for Issuers
Today we released new data on UK card trends, and if you read between the lines you can see some opportunities for card ...
What Are You Doing About Static Delinquencies?
Our team in the UK has just run some reports indicating that, at least among the UK high-street banks, static delinquenc...
UK Card Spending Hits Two-Year High (Before Christmas)
While everyone watches retail figures for the holiday season to see what kind of economic uplift they can provide, good ...
European Borrowers Still Struggling with Repayments
In our latest survey of European credit risk professionals conduced with Efma, the delinquency forecast held steady from...
Will Europe's Small Business "Credit Gap" Shrink?
FICO research has uncovered a hint that the “credit gap” for small businesses may indeed be shrinking. In our latest sur...
Russians Missing More Credit Payments
 We are starting to see a worrying trend in Russia, a country that has generally had very good credit performance ...
European Bank Priorities for 2013: ROC, Cross-Selling and Big Data
With dark clouds still hanging over the European economic and banking landscape, what are risk managers’ priorities for ...
The "Computer Says No" Myth
There’s a common fallacy that computers – because they have no souls – turn down loan requests automatically, whereas ba...
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