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Oliver Buchannon
Gaurav Kumar

Credit risk & digital lending, decoded. A weekly briefing for lending builders.

Building a scorecard with alternate & cash-flow data

Jun 20, 2026

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2 min read

Building a scorecard with alternate & cash-flow data

How to score the customers a traditional bureau can’t see — without fooling yourself.

Gaurav Kumar
Gaurav Kumar
BNPL economics: where the loss really comes from

Jun 20, 2026

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2 min read

BNPL economics: where the loss really comes from

The lever most teams miss when they price a pay-in-4 book.

Gaurav Kumar
Gaurav Kumar
Early warning indicators that fire before delinquency

Jun 20, 2026

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2 min read

Early warning indicators that fire before delinquency

By the time they miss a payment, you've already lost

Gaurav Kumar
Gaurav Kumar
The 5 documents every digital lender's credit framework needs

Jun 20, 2026

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7 min read

The 5 documents every digital lender's credit framework needs

A practitioner’s guide to the credit framework — what each document does, how they fit, the mistakes that quietly break them, and a 90-day plan to build the whole suite

Gaurav Kumar
Gaurav Kumar

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