New UK Data Highlights Small Business Credit Gap
 The UK Federation of Small Businesses released new data on Monday showing that its members continue to find credi...
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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New Data: European Consumers Still Careful About Managing Credit
Despite economic troubles across much of Europe, there are clear indicators that consumers continue to mind their credit...
Why Non-Banks Love the Profitability Paradox
In recent posts I’ve discussed the Profitability Paradox — low-risk customers are unwilling to take on more credit, whil...
European Risk Survey Shows a Rocky Road Ahead
FICO’s latest survey of European credit risk managers with Efma included a set of questions on trends in the European cr...
European Credit Forecast: Delinquencies Will Rise, But at Slower Rate
FICO has just completed its survey of European credit risk managers with Efma, and the results show a fairly dismal fore...
Is Your Model Due for an Overhaul?
Over the past three weeks, I have been meeting with European banks to discuss model governance, along with IDC Financial...
Can Cheap Money Beat the Profitability Paradox?
The big financial news in the UK today is that the Bank of England will give around £80 billion to UK banks at below-mar...
Regulations still choking European credit
“Asphyxiating” is a strong word, but that’s the word used at a recent meeting of banking leaders in Spain to describe th...
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