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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In Europe, Service and Savings Come First, While Trust in Banks Shrinks
Customers’ changing relationship with banks is made very clear in the second European Credit Risk Survey conducted by FI...
How collections tactics affect the payment hierarchy
As I noted in a recent post, there is growing evidence of a shift in the payment hierarchy among European borrowers. Thi...
Leveraging the deposit relationship
This is a period of cautious growth for banks, and there’s no safer way to extend more credit than to start with your go...
Collect with Kindness
There’s an old saying, 'Kill them with kindness.' A modern version might read, 'Collect with kindness.'
...
First-Party Fraud - the Hidden Part of the Iceberg
Banks have been dealing successfully with third-party fraud for decades — today’s report on the low rates of card fraud ...
Will Europe see a wider credit gap?
In the new European Credit Risk Outlook report issued by FICO and Efma, risk managers across Europe weigh in on credit s...
How will regulations affect Europe's credit supply?
What do European credit risk managers see ahead for credit supply and demand? That’s what FICO and Efma asked in the fir...
How will new banking entrants change the game?
Even in today’s banking environment — with new regulations and economic change putting the squeeze on profits — there ar...
What the GRINCH thinks about debt
Are younger borrowers taking a different stance towards repayment? There’s certainly evidence that this is the case, as ...
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