By Introduction:Have you ever considered the intricate balance between risk and reward in the financial world? My journey in credit risk management, particularly in managing the “Buy Now, Pay Later” (BNPL) portfolios across Indonesia, Malaysia, Philippines, Vietnam, and Brazil, has been a revelation in this regard. In my 2.5 years of experience, I’ve often paused to …
More Choices or Fewer Choices: The Paradox of Options
Have you ever wondered whether having more choices is truly advantageous? While options grant us the power of alternatives, often leading to better deals, they can also leave us paralyzed with indecision. I vividly recall the challenges I faced when choosing a university after excelling in my exams. Throughout various stages of my life, whether …
Reflecting on Business Models: A Worker’s Perspective
Have you ever wondered how some companies outperform others, or why a business model thriving in one market falls short in another? As employees, we often operate within established or proven business models without questioning their efficacy, uniqueness, or the challenges they might encounter. Although pondering these questions might not be in our job description, …
Why Forecasts Differ: Unpacking Hidden Agendas
We’re constantly attempting to forecast the future, asking questions ranging from the mundane—“What will tomorrow’s weather be like?”—to the substantial—“Will the economy collapse?” or “Is inflation expected to decline?”. In the professional realm, our predictions may seem comparatively minor, as we speculate whether business targets will be met or the number of new users we’ll …
Enhancing Your Thought Process
I observed that many of us have posed similar questions: How can I develop a broader perspective? How can I think more deeply? Firstly, I want to emphasize that you shouldn’t feel disheartened by such inquiries. At times, these questions arise because your perspective differs from others. On other occasions, it might indicate overlooked viewpoints. …
A Framework to Understand Yourself Better
Hard work propels us forward, but introspection ensures that our trajectory is correct. However, looking inward is no easy feat. Not only does it bring to the surface uncomfortable truths and past mistakes, but it also sometimes falls prey to our cognitive biases. Take the confirmation bias as an example; we often lean into information …
The Subtle Constraints Shaping Our Lives
Throughout our lives, we are bound by numerous constraints. Often, we never pause to reflect on their impact or contemplate if they can be modified, simply because we’ve grown so accustomed to their presence. Understanding Life’s Constraints: The effects of these constraints can be deeply ingrained in our psyche. More often than not, we exert …
The Bad Habits We Inherited From School
The context for this blog post is important to grasp, so allow me to provide some background. Having graduated from University in 2017 and promptly joined the workforce, I’m now in my fifth year of employment. When I encounter fresh faces on the team, particularly those born in the 2000s, I feel a sense of …
What is a policy, from a retail finance credit risk perspective?
In my current company, Seamoney, there are two major teams responsible for managing the credit risk of the consumer loan portfolio: the Data Science Team (DS team) and the Credit Policy Team (Policy Team). Many of my colleagues, including myself in the Policy Team, have often wondered about the differences in scope between the two …
A Very Very Brief Historical Development of the Calculus
While diving deep into the proofs of the Fundamental Theorem of Calculus by Barrow, Leibniz, and Newton, I stumbled upon an intriguing topic – the historical development of calculus. I found myself wishing that my teachers had taken this historical approach, which brings added depth and interest to the cold precision of math. In this …
