Meta tags:
description= Explore top posts from LinkedIn members about peer-to-peer lending models. Discover real-world examples and practical insights from experienced professionals.;
Headings (most frequently used words):
peer, to, lending, models, more, linkedin, respects, your, privacy, in, finance, topics, explore, categories,
Text of the page (most frequently used words):
the (144), and (110), for (54), more (49), financial (46), risk (41), that (33), not (32), you (30), with (30), #finance (29), this (29), lending (28), portfolio (27), diversification (25), just (25), credit (24), market (23), like (23), are (23), management (22), but (22), our (22), investment (21), content (21), they (21), can (19), strategies (18), your (18), how (18), linkedin (17), data (17), loan (16), return (16), asset (15), bank (14), tax (13), correlation (13), about (12), business (12), banking (12), comment (12), time (12), when (12), assets (12), report (12), have (12), planning (11), wealth (11), share (11), post (11), followers (11), one (11), access (11), managers (11), what (11), insights (10), compliance (10), economic (10), markets (10), facebook (10), copy (10), over (10), their (10), between (10), where (10), than (10), years (10), platforms (9), previous (9), stocks (9), from (9), policy (8), innovation (8), corporate (8), technology (8), insurance (8), investing (8), understanding (8), small (8), models (8), relationship (8), next (8), such (8), move (8), returns (8), manager (8), women (8), also (8), don (8), those (8), loans (8), model (8), 2024 (8), show (7), strategy (7), real (7), investments (7), solutions (7), building (7), private (7), volatility (7), trust (7), based (7), comments (7), only (7), take (7), funds (7), fof (7), way (7), world (7), clients (7), less (6), trends (6), rates (6), funding (6), alternative (6), benefits (6), fund (6), peer (6), these (6), well (6), might (6), during (6), even (6), diversified (6), same (6), expected (6), there (6), investors (6), still (6), because (6), covenant (6), design (5), experience (5), retail (5), techniques (5), opportunities (5), interest (5), retirement (5), cash (5), financing (5), regulatory (5), basics (5), fintech (5), impact (5), equity (5), case (5), businesses (5), portfolios (5), growth (5), performance (5), borrower (5), default (5), however (5), low (5), non (5), who (5), follow (5), across (5), better (5), often (5), isn (5), now (5), top (5), let (5), first (5), underlying (5), without (5), much (5), why (5), banks (5), collateral (5), both (5), agents (5), msme (5), digital (5), via (5), ant (5), chinese (4), traditional (4), culture (4), healthcare (4), intelligence (4), estate (4), analysis (4), inclusion (4), professionals (4), capital (4), recovery (4), flow (4), personal (4), trade (4), process (4), role (4), statements (4), global (4), challenges (4), family (4), governance (4), due (4), consumer (4), managing (4), platform (4), should (4), driven (4), while (4), help (4), theory (4), invest (4), grow (4), together (4), essential (4), shift (4), wait (4), think (4), would (4), risky (4), year (4), problem (4), has (4), big (4), client (4), seen (4), early (4), payments (4), see (4), before (4), build (4), numbers (4), here (4), everything (4), look (4), founder (4), embedded (4), fear (4), borrowers (4), underwriting (4), guidelines (3), user (3), change (3), future (3), work (3), services (3), implications (3), mergers (3), government (3), central (3), acquisitions (3), industry (3), venture (3), income (3), accounting (3), ipo (3), public (3), options (3), reporting (3), tips (3), stock (3), option (3), decisions (3), systems (3), analyzing (3), security (3), metrics (3), advisor (3), assessment (3), accounts (3), cost (3), navigating (3), literacy (3), volatile (3), energy (3), commercial (3), balance (3), concepts (3), investor (3), lender (3), approval (3), online (3), calm (3), rise (3), stable (3), concept (3), long (3), term (3), complex (3), events (3), periods (3), could (3), two (3), other (3), means (3), goal (3), correlations (3), overall (3), smooth (3), out (3), new (3), back (3), markowitz (3), his (3), reduce (3), idea (3), offers (3), best (3), off (3), today (3), all (3), influencer (3), rebalancing (3), tools (3), especially (3), life (3), conditions (3), sector (3), becomes (3), which (3), right (3), need (3), taking (3), own (3), control (3), officer (3), specialized (3), things (3), too (3), per (3), tickets (3), gps (3), last (3), high (3), instead (3), potential (3), another (3), very (3), pay (3), lower (3), 11mo (3), really (3), mean (3), behind (3), leverage (3), most (3), improve (3), decision (3), reflect (3), moment (3), paul (3), was (3), teams (3), npls (3), lend (3), down (3), disbursement (3), lack (3), empathy (3), after (3), feel (3), ask (3), did (3), know (3), escalate (3), everyone (3), 2020 (3), figure (3), protect (3), get (3), start (3), behavior (3), use (3), team (3), dataiku (3), verification (3), made (3), war (3), borrow (3), lenders (3), breach (3), terms (3), rarely (3), being (3), consultants (3), huabei (3), history (3), repayment (3), tagalog (2), bahasa (2), malaysia (2), english (2), community (2), cookie (2), privacy (2), development (2), fundraising (2), artificial (2), economics (2), supply (2), chain (2), marketing (2), customer (2), leadership (2), education (2), project (2), soft (2), emotional (2), explore (2), comparison (2), currency (2), policies (2), tech (2), young (2), achieving (2), independence (2), fixed (2), securities (2), methods (2), software (2), innovations (2), factors (2), processes (2), fundamentals (2), film (2), sustainable (2), cryptocurrency (2), requirements (2), efficiency (2), tactics (2), overview (2), changes (2), creating (2), dashboard (2), budget (2), leveraged (2), buyout (2), crisis (2), trading (2), health (2), international (2), application (2), applications (2), budgeting (2), card (2), structure (2), regulations (2), update (2), approaches (2), office (2), climate (2), evaluating (2), analytics (2), rate (2), expenses (2), sheet (2), choices (2), guide (2), eligibility (2), microfinance (2), institutions (2), distribution (2), valuation (2), debt (2), plans (2), steps (2), prevention (2), give (2), essence (2), include (2), fall (2), different (2), crucial (2), consistent (2), success (2), conversely (2), sectors (2), remain (2), demand (2), measure (2), each (2), sync (2), movements (2), negative (2), example (2), boom (2), oil (2), prices (2), perform (2), decline (2), correlated (2), through (2), dates (2), modern (2), 1952 (2), selection (2), foundation (2), explain (2), add (2), etc (2), alpesh (2), patel (2), obe (2), futures (2), session (2), led (2), insightful (2), allocation (2), longer (2), schutz (2), navigate (2), overly (2), any (2), approach (2), find (2), themselves (2), mix (2), equities (2), allocate (2), ensures (2), finally (2), maintain (2), desired (2), transfer (2), generations (2), must (2), commitment (2), journey (2), phoenixus (2), portfoliomanagement (2), lead (2), chief (2), week (2), implies (2), invests (2), number (2), typically (2), rather (2), ten (2), generalist (2), taken (2), risks (2), want (2), generating (2), single (2), into (2), job (2), performing (2), concentrated (2), been (2), concentration (2), third (2), every (2), many (2), months (2), companies (2), built (2), mindful (2), fees (2), few (2), basis (2), points (2), conversation (2), ever (2), choose (2), fair (2), question (2), matters (2), hold (2), total (2), apples (2), professional (2), focus (2), unit (2), full (2), free (2), 100 (2), may (2), efficient (2), sizing (2), matter (2), then (2), highest (2), spend (2), asking (2), multi (2), stéphane (2), renevier (2), cfa (2), lie (2), looked (2), didn (2), weak (2), monitor (2), engage (2), break (2), clearly (2), monitoring (2), defaults (2), regular (2), hit (2), monthly (2), targets (2), missed (2), calls (2), healthy (2), paperwork (2), pressure (2), chance (2), recover (2), cure (2), relationships (2), supported (2), speak (2), educate (2), them (2), second (2), learn (2), chengula (2), feels (2), until (2), drops (2), math (2), alternatives (2), shows (2), downside (2), stress (2), exact (2), flaw (2), interpret (2), buyers (2), goes (2), solution (2), under (2), gets (2), cio (2), govern (2), speed (2), past (2), story (2), facing (2), used (2), agent (2), fast (2), key (2), variables (2), triggered (2), daily (2), validation (2), aligned (2), strategic (2), operational (2), oversight (2), technical (2), action (2), tug (2), system (2), experiences (2), power (2), will (2), ceo (2), filipino (2), adults (2), never (2), philippines (2), formal (2), findex (2), msmes (2), make (2), bsp (2), large (2), legacy (2), commerce (2), enterprises (2), already (2), using (2), bnpl (2), open (2), call (2), bridge (2), account (2), sources (2), consultant (2), waiver (2), banker (2), covenants (2), material (2), grey (2), parties (2), reputation (2), structuring (2), talk (2), legal (2), china (2), credittech (2), either (2), translated (2), ticket (2), launched (2), main (2), instant (2), targeting (2), short (2), mybank (2), panagiotis (2), kriaris (2), reject (2), accept (2), cookies (2), ads (2), language, 正體中文, 简体中文, simplified, tiếng, việt, vietnamese, українська, ukrainian, türkçe, turkish, ภาษาไทย, thai, తెలుగు, telugu, svenska, swedish, русский, russian, română, romanian, português, portuguese, polski, polish, ਪੰਜਾਬੀ, punjabi, norsk, norwegian, nederlands, dutch, malay, मराठी, marathi, 한국어, korean, 日本語, japanese, עברית, hebrew, italiano, italian, indonesia, indonesian, magyar, hungarian, हिंदी, hindi, français, french, suomi, finnish, فارسی, persian, español, spanish, ελληνικά, greek, deutsch, german, dansk, danish, čeština, czech, বাংলা, bangla, العربية, arabic, guest, controls, brand, copyright, agreement, accessibility, 2026, training, event, organizational, career, engineering, communication, negotiation, social, responsibility, networking, workplace, employee, writing, consulting, science, merchandising, sales, recruitment, ecommerce, skills, productivity, hospitality, tourism, categories, cybersecurity, roadmap, creation, saving, green, exchange, research, reserves, forensic, freelancers, disaster, stablecoins, optimizing, resources, emerging, infrastructure, preparing, audit, startups, payment, processing, startup, company, bankruptcy, taxpayer, rights, evaluation, recession, auditing, practices, inflation, study, monetary, variance, dividend, studies, bitcoin, initiatives, solar, accumulation, cfo, expectations, improving, production, wellness, forecasting, llm, effective, esg, fee, essentials, music, royalty, kpis, offerings, indicators, receivable, tokenization, forecasts, campaigns, secondaries, preservation, nonprofit, biodiversity, student, credentials, derivatives, modeling, score, improvement, mortgage, blockchain, deductions, diligence, checklist, components, federal, reserve, projects, crypto, operations, filing, protection, impacts, optimization, behavioral, hedge, beginners, features, deduction, emergency, dispute, resolution, treasury, roles, integration, restructuring, standards, explained, preparation, topics, crowdsourced, innovative, measures, apps, frameworks, p2p, automated, pension, zen, poise, successful, lies, merely, picking, winning, interact, within, constructed, times, smoother, known, mitigating, nature, inherently, interplay, cycles, geopolitical, sentiment, instance, surge, expansion, suffer, downturns, defensive, staples, utilities, tend, appreciate, economy, slows, products, sensitive, forces, statistical, describes, relation, coefficient, ranging, indicates, perfect, opposite, directions, suggests, microsoft, exxonmobil, suppresses, contraction, rising, dynamic, allows, opposing, evolution, harry, introduced, mpt, seminal, paper, demonstrated, combining, maintaining, laid, principle, remains, 098, aggregate, tiktok, youtube, teach, reflecting, latest, clear, lessons, prepare, realities, expectancies, transfers, changing, guidance, helped, highlighting, spreading, various, classes, resilient, doing, mitigate, ensure, reliant, outlive, men, families, exploring, determining, align, individual, goals, tolerance, whether, bonds, sustainably, allowing, adjust, stages, emerge, importance, emphasised, realigning, weightings, impending, adjustments, regularly, profile, continue, meet, objectives, touched, broader, affecting, particular, intergenerational, becoming, prevalent, older, pass, prepared, manage, transition, horizontal, spouses, reinforces, financially, literate, proactive, inherit, responsibilities, diversify, rebalance, securing, positioning, ourselves, stewards, act, dictate, implement, confidently, toward, deserve, takeaction, investmentopportunities, financialindependence, wealthtransfer, womeninleadership, financialempowerment, lee, 705, empowering, senior, leaders, nurture, live, lives, outstanding, award, inspirational, mentor, board, member, kids, dogs, serene, ong, shwu, yng, covering, humble, yesterday, spoke, simplification, topic, shines, three, parameters, name, somewhere, attempts, combine, adds, value, individually, offset, ways, pure, play, certain, focusing, turnarounds, special, situations, secondly, some, mentioned, yes, likely, megafund, committing, betting, alleviate, providing, incurring, outsized, translate, related, met, numerous, highly, bet, saw, opted, fofs, spread, commitments, vintage, assuming, 120, 144, calendar, extends, further, subsequent, overdiversification, etf, gladly, similar, benchmark, measured, percents, incremental, negatively, affect, 399, jan, voss, reminded, counterintuitive, asked, handle, pick, bigger, necessarily, headline, efficiently, generated, glance, wins, takes, higher, comparing, core, adjusted, sharpe, ratio, course, simplifying, picture, historical, sharpes, perfectly, going, forward, construction, position, least, alone, reducing, linked, choosing, actually, simply, selecting, automatically, modestly, levered, unlevered, maybe, actionable, takeaway, retailinvestors, portfolioconstruction, assetallocation, 5mo, 163, investlab, bringing, desk, serious, 356, remember, mkombozi, supervisor, file, shook, head, said, fail, failed, stuck, pattern, repeat, learned, thing, hard, failing, bankers, mirrors, habits, assumptions, sometimes, shortcuts, approve, deep, begins, silent, disbursed, forgotten, waiting, check, ins, reviews, connection, cultural, red, flags, approving, ignoring, warning, signs, delayed, relying, engagement, support, looks, character, capacity, ups, educating, treating, rebuild, collect, celebrating, strong, heard, wrong, blame, consistently, transactions, final, advice, officers, analysts, track, declines, care, blend, emotion, reality, treat, punishment, ️let, prioritizes, wisdom, sustainability, loudly, found, please, repost, others, 0714, 260266, 0769, 218125, tanzania, pauloignaschengula, gmail, com, 276, great, believes, bedrock, uncorrelated, outcomes, clean, solid, vanishes, behave, nicely, little, friction, mostly, predictable, shock, hits, 2008, 2022, moves, levels, spike, parts, moments, supposed, convergence, conditional, liquidity, dries, panic, disappear, normally, independently, falling, balanced, blindsided, got, works, underperforms, drawdowns, afford, measuring, averages, rolling, shocks, overlap, common, drivers, happens, haven, tested, adding, nomura, corner, cioinsights, privatemarkets, diversificationtruth, portfoliostrategy, downsiderisk, https, lnkd, e4tcax_g, 522, abu, dhabi, gareth, nicholson, scaling, safety, false, choice, surface, again, truth, simple, imagine, eager, harness, approvals, eliminate, delays, caused, manual, review, side, understandably, cautious, tightening, mrm, growing, scrutiny, around, critical, challenge, accelerate, compromising, partnered, answer, modular, ingestion, securely, downloaded, preprocessing, extracted, normalization, standardized, downstream, actions, results, hours, min, statement, accuracy, processed, breakthrough, came, powered, node, achieve, spectrum, framework, seamlessly, five, domains, reputational, ensuring, robust, slowing, stood, executive, summary, purpose, stakeholders, deployment, status, screen, showing, usage, restrictions, dependencies, lineage, tracking, issue, logs, frequency, became, shared, seeing, roadblock, enabler, love, hear, jonny, orton, brian, nowak, elizabeth, taye, mohler, she, her, florian, douetteau, 840, infocepts, shashank, garg, 112, missing, piece, half, designed, divide, gdp, sits, far, thailand, 125, borrowing, yet, easy, corporates, salaried, workers, backed, entrepreneurs, self, employed, merchants, invisible, scorecards, dependent, medium, starting, players, proving, utilizing, shopee, lazada, gcash, underwrite, defaulting, losing, marketplace, flows, kind, equation, tied, exclusion, engines, favor, filter, else, rewriting, rules, extend, responsibly, regulation, evolve, portability, sharing, programs, determine, scales, modernize, confidence, empower, mandate, incentives, productive, product, powers, roads, nowhere, opens, creates, opportunity, ifc, era, techcollectivesea, 2025, visa, sea, futureofbanking, financialinclusion, 252, transformation, transaction, technologies, arvie, vera, 487, 𝗟𝗼𝗮𝗻, 𝗖𝗼𝘃𝗲𝗻𝗮𝗻𝘁, 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲, 𝗧𝗵𝗲, 𝗚𝗿𝗲𝘆, 𝗭𝗼𝗻𝗲, 𝗧𝗵𝗮𝘁, 𝗞𝗲𝗲𝗽𝘀, 𝗟𝗲𝗻𝗱𝗲𝗿𝘀, 𝗮𝗻𝗱, 𝗕𝗼𝗿𝗿𝗼𝘄𝗲𝗿𝘀, 𝗔𝘄𝗮𝗸𝗲, 𝗡𝗶𝗴𝗵𝘁, misses, ebitda, glitch, nothing, notices, follows, renegotiation, carry, consequences, balances, timing, interpretation, walking, fine, line, preserve, tripwires, hiccup, reinvest, suddenly, despite, running, fundamentally, sound, word, difference, area, efforts, adverse, ambiguous, breaches, judgment, triggering, domino, effect, seeming, inflexible, misunderstood, blamed, south, beyond, test, ego, intersect, survive, fog, stronger, define, stage, silence, enemy, flag, questions, forensics, create, safe, space, honest, dialogue, bring, neutral, voice, advisors, auditors, independent, breath, ground, realism, industries, consider, buffer, thresholds, lite, periodic, resets, clause, lens, shoulder, tension, had, miss, response, sat, weighing, versus, middleman, trying, keep, sides, once, shaken, turn, areas, tough, minor, successfully, pradeepkumarguptaa, financialconsulting, debtadvisory, riskmanagement, corporatelending, loancovenants, 126, specialist, syndicated, monei, connecting, pradeep, kumar, guptaa, 374, revolutionized, played, done, direct, limitations, bureaucratic, inflexibility, customization, changed, superapps, although, authorities, cracked, worth, having, arm, called, contributed, its, peak, almost, revenues, ran, minimal, securitized, underwritten, partner, consisted, lines, aimed, 2014, virtual, target, group, consumption, limited, version, variations, days, purchase, instalments, jiebei, 2015, larger, unsecured, requirement, customers, alipay, connected, cards, month, installments, mayi, translates, servicing, volumes, automation, standardization, 000, bulk, profiles, smartphone, available, records, local, complete, minutes, obtain, human, interactions, profitable, costs, accounted, sme, female, run, smes, abundance, sellers, size, uniquely, positioned, cut, gordian, knot, opinions, graphic, economist, bfa, 165, 884, editor, expert, sign, join, games, jobs, learning, people, skip, select, consent, settings, 3rd, provide, secure, analyze, relevant, including, respects,
Text of the page (random words):
it s a new kind of trust equation credit tied to behavior not paperwork the implications legacy risk models are exclusion engines by design they favor those who already have credit and filter out everyone else embedded and digital lenders are rewriting the rules by using alternative data they can extend loans responsibly where traditional systems can t regulation must evolve with innovation open banking credit data portability and risk sharing programs will determine how fast this shift scales ️ the call to action modernize risk models move from collateral based lending to data driven confidence empower msmes mandate fair access and incentives for banks to lend to productive small enterprises build the bridge between access and growth credit is not a by product of inclusion it powers it financial inclusion without credit is like building roads that lead nowhere a bank account opens the way but credit creates opportunity and growth financialinclusion lending msme philippines futureofbanking sources world bank 2024 world bank findex 2024 bsp msme credit report 2024 ifc msme banking in the digital era 2024 techcollectivesea 2025 visa sea embedded finance report 2024 more no more previous content no more next content 112 16 comments like comment share copy linkedin facebook x shashank garg co founder and ceo at infocepts 17 840 followers 1y report this post govern to grow scaling ai the right way speed or safety in the financial sector s ai journey that s a false choice i ve seen this trade off surface time and again with clients over the past few years the truth is simple you need both here is one business use case a success story imagine a loan lending team eager to harness ai agents to speed up loan approvals their goal eliminate delays caused by the manual review of bank statements but there s another side to the story the risk and compliance teams are understandably cautious with tightening model risk management mrm guidelines and growing regulatory scrutiny around ai commercial banks are facing a critical challenge how can we accelerate innovation without compromising control here s how we have partnered with dataiku to help our clients answer this very question the lending team used modular ai agents built with dataiku s agent tools to design a fast consistent verification process 1 ingestion agents securely downloaded statements 2 preprocessing agents extracted key variables 3 normalization agents standardized data for analysis 4 verification agent made eligibility decisions and triggered downstream actions the results loan decisions in under 24 hours 30 min for statement verification 95 data accuracy 5x more applications processed daily the real breakthrough came when the compliance team leveraged our solution powered by dataiku s govern node to achieve full spectrum governance validation the framework aligned seamlessly with five key risk domains strategic operational compliance reputational and financial ensuring robust oversight without slowing innovation what stood out was the structure 1 executive summary of model purpose stakeholders deployment status 2 technical screen showing usage restrictions dependencies and data lineage 3 governance dashboard tracking validation dates issue logs monitoring frequency and action plans what used to feel like a tug of war between innovation and oversight became a shared system that supported both not just finance across sectors we re seeing this shift governance is no longer a roadblock to innovation it s an enabler would love to hear your experiences florian douetteau elizabeth taye mohler she her will nowak brian power jonny orton more no more previous content no more next content 60 6 comments like comment share copy linkedin facebook x gareth nicholson chief investment officer cio for first abu dhabi bank asset management 35 522 followers 1y report this post diversification feels great until the market drops everyone believes in diversification it s the bedrock of modern portfolio theory mix uncorrelated assets reduce volatility improve outcomes clean math solid concept but here s the problem diversification often vanishes when you need it most in calm markets alternatives behave nicely low correlation smooth returns a little friction here and there but mostly predictable then a shock hits like 2008 2020 or 2022 and everything moves together take a look at figure 2 5 it shows downside correlation between private market strategies and public markets the correlation levels spike during market stress especially for strategies like private equity venture and even parts of real estate these are the exact moments when diversification is supposed to protect you instead what you get is convergence that s not a flaw in the model it s a flaw in how we interpret correlation because correlations are not fixed they are conditional when liquidity dries up when markets panic when buyers disappear assets that normally move independently start falling in sync correlation goes up diversification goes down and portfolios that looked balanced start to break this is where many investors get blindsided they think i ve got private markets so i m diversified but what they really have is a portfolio that works well in smooth conditions and underperforms in drawdowns the exact moment they can t afford it so what s the solution start measuring diversification in stress not just in averages look at downside correlation not just 10 year rolling distribution behavior during market shocks see figure 3 3 sector overlap and common drivers of returns see figure 3 1 ask not just what do i own but what happens when everything drops 20 if you haven t tested that you don t really know your portfolio diversification isn t just about adding more funds it s about behavior under pressure and in that moment correlation math gets real for more see our nomura cio corner https lnkd in e4tcax_g downsiderisk portfoliostrategy diversificationtruth privatemarkets cioinsights more no more previous content no more next content 59 2 comments like comment share copy linkedin facebook x paul chengula 11 276 followers 11mo report this post non performing loans don t lie they reflect our lending culture i still remember a moment from years back at mkombozi commercial bank a supervisor looked at a file shook his head and said paul this loan didn t fail because the client was weak it failed because we didn t follow through that stuck with me because over the years i ve seen the same pattern repeat across banks teams and markets in my 10 years of banking and microfinance i ve learned one thing the hard way npls are not just about clients failing to pay they re often about how we as bankers choose to lend monitor and engage let s break it down clearly 1 npls are mirrors not just metrics they reflect our lending habits our assumptions and sometimes our shortcuts if we approve loans without deep understanding or follow up the risk begins there 2 weak monitoring silent defaults a loan that s disbursed and forgotten is a loan waiting to default regular check ins business reviews and emotional connection matter more than we think 3 cultural red flags in lending approving loans just to hit monthly targets ignoring early warning signs like missed calls or delayed payments over relying on collateral instead of understanding the client s business no post disbursement engagement just wait and see lack of borrower education or financial literacy support 4 what a healthy lending culture looks like lending based on character capacity and relationship not just paperwork regular follow ups with empathy not pressure educating clients before and after disbursement treating recovery as a chance to rebuild not just collect celebrating clients who recover and grow not just those who pay on time 5 relationship banking is the cure strong relationships reduce npls when clients feel seen heard and supported they speak up before things go wrong 6 time to reflect not just recover before we blame the borrower let s ask did we educate them well did we monitor consistently did we build a relationship or just a transactions ️ final advice to relationship managers officers recovery teams and credit analysts don t wait for default engage early track soft declines and follow up with care blend data with emotion know your client s reality educate before you escalate treat recovery as a second chance not a punishment build trust not just targets ️let s build a lending culture that prioritizes wisdom empathy and sustainability because numbers don t lie but they do speak loudly found this insightful please like comment and repost so others can learn paul chengula 0714 260266 0769 218125 pauloignaschengula gmail com tanzania more no more previous content no more next content 356 50 comments like comment share copy linkedin facebook x stéphane renevier cfa stéphane renevier cfa is an influencer ex multi asset pm building investlab bringing the tools and strategies of a multi asset desk to serious retail investors 20 163 followers 5mo report this post a conversation with a retail investor last week reminded me how counterintuitive investing really is he asked if i can handle the risk why would i ever choose a lower return asset fair question i mean if one strategy offers a 12 expected return and another offers 6 why pick the 6 one bigger return better option right not necessarily what matters is not just the headline return but also how efficiently that return is generated take two strategies strategy a 12 return 18 volatility strategy b 6 return 6 volatility at first glance a wins but b only takes one third of the risk that means you could hold 3x as much of b and still take the same total risk as a now the comparison becomes a 12 return at 18 risk 3x b 18 return at 18 risk same risk higher expected return now we re finally comparing apples to apples that s the core idea behind risk adjusted returns and why professional investors focus so much on the sharpe ratio return per unit of risk of course i m simplifying volatility isn t the full picture of risk leverage isn t free and historical sharpes don t hold perfectly going forward still it has big implications 100 equities may not be the most efficient portfolio even if your goal is high returns portfolio construction and position sizing matter at least as much as asset selection alone diversification is not just about reducing risk it can improve returns too return and risk are linked but they are not the same decision choosing the most efficient portfolio first then sizing it to the risk you actually want may be better than simply selecting the asset with the highest expected return leverage is not automatically more risky than concentration a modestly levered diversified portfolio can be less risky than an unlevered concentrated one and maybe a more actionable takeaway for retail investors spend less time asking which asset has the highest expected return and more time asking how each asset changes the risk and efficiency of the overall portfolio assetallocation portfoliomanagement portfolioconstruction retailinvestors more 15 like comment share copy linkedin facebook x jan voss 22 399 followers 11mo report this post the case for funds of funds pt 2 diversification and access this week we re covering the benefits of the humble fund of funds yesterday we spoke about benefits to simplification and access today let s move on to the topic of diversification where we think that a fof shines across three parameters first there is manager diversification as the name implies a fof invests in a number of underlying managers typically somewhere between 8 and 16 in my experience the gp managing the fof typically attempts to combine those underlying managers in a way that adds value to the overall portfolio for example rather than investing in ten generalist managers they invest in a number of specialized managers that individually would be more risky but taken together offset their underlying risks they might also want to add managers that have different ways of generating returns i e from your pure play buyout manager in a certain industry to managers focusing on turnarounds and special situations secondly there is risk diversification take some of those specialized managers that we just mentioned yes such a manager if they do well is likely do perform better than your diversified generalist megafund but things can go the other way too so if you are committing to 3 4 funds per year betting one of your tickets on such a manager might be overly risky a fof can alleviate that problem providing investors with diversified access to such specialized gps without incurring outsized single manager risk taken together manager and risk diversification also translate into access related benefits in my last family office job we met numerous of those high performing but also highly concentrated gps with 3 4 tickets per year taking a bet on such a gp would ve been too much of a concentration risk however we still saw benefits in this approach and instead opted for a fof to access those funds and their expected performance potential third and last there s time diversification while not the case for every fof many fofs spread their commitments to gps over 12 36 months i e 1 3 vintage years those underlying managers also have investment periods of 3 5 years assuming our fof invests in 12 managers over 3 years and our underlying managers invest in 10 12 companies our single commitment becomes a portfolio of 120 144 companies built over 7 8 calendar years this diversification extends further as you invest in another fund of funds in subsequent years however investors should be mindful of overdiversification if your fees are very low think a global stock market etf you d gladly pay a few basis points more to lower your risk while still generating performance similar to your desired benchmark however in the world of alternative assets where fees are still measured in percents rather than basis points you should be mindful of how incremental over diversification might negatively affect your performance more 30 1 comment like comment share copy linkedin facebook x serene ong shwu yng empowering senior women leaders to lead nurture give back live their best lives healthcare 2 0 outstanding leadership award top 50 inspirational women mentor board member chief family officer of 6 kids 2 dogs 26 705 followers 2y report this post reflecting on phoenixus latest building our financial futures session led by the insightful schutz lee it s clear that the lessons on portfolio diversification asset allocation rebalancing are essential tools for women especially as we prepare for the realities of longer life expectancies wealth transfers changing market conditions schutz s guidance helped us navigate these complex concepts highlighting that portfolio diversification spreading investments across various asset classes is the foundation of a resilient fi...
|
