The Profitability Paradox
In the middle of a recession — or what seems like one — you get what I call the profitability paradox. Simply put, banks...
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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European Credit Delinquencies Will Rise Further
The need for small business credit is making headlines in many European countries, with politicians often railing agains...
More bad news for Europe’s small businesses seeking credit
Small business lending has been a focus for most European nations, looking to increase economic growth and cut unemploym...
Four out of five European bankers see another recession coming
The latest European Credit Risk Outlook, published by FICO and Efma today, provides a grim forecast for Europe. More tha...
Consumer spending rises on UK cards
In today’s environment, even moderately good economic news needs to be celebrated. FICO just released card performance d...
Russians' credit health is strengthening
Much of the focus on the Russian election this week has put a spotlight on how far the country has come since perestroik...
How customer relationships impact credit risk
For banks that have made it their mission to deepen their product holdings with customers, here is some clear evidence t...
Collections provides wins for mobile banking
Digital strategies are revolutionizing collections performance today. Using mobile banking as a channel for collections ...
UK cardholders paying less of their card balances
FICO has just released UK card data for September that shows a worrying pattern. The percentage of their balance that ho...
Risk management gains strength in Europe
In our recent survey, credit risk managers across Europe clearly indicate that they are better prepared now to deal with...
UK card data shows rise in cash withdrawals
FICO just released data on Q2 cards performance in the UK. In large part, we’re seeing steady patterns, with higher volatility and risk for both student and Irish cards.
European lenders rank profit-building measures
With European banks under pressure on capital, fees, margins and just about everything else, lenders are considering a n...
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