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Naagesh Padmanaban
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Job Function:
Business Analytics, Quant
Banking Credit Risk
Short Bio:
Naagesh Padmanaban is an analytics leader. These are the author’s personal views. He blogs at Risk Agenda . He can be reached at [email protected] for comments
LinkedIn Profile:
Finding a New Position, Networking, New Venture

Naagesh Padmanaban's Blog

The importance of Alternative Data in Credit Risk Management

Posted on March 25, 2019 at 11:15pm 0 Comments

The emergence of alternative data as a key enabler in expanding credit delivery and financial inclusion is unmistakable.

The saying that the only thing that is constant is change, is attributed to Heraclitus, the Greek Philosopher. This is so very relevant today in the way lenders use technology and scoring solutions to understand the credit worthiness of applicants. Credit Risk Management has come a long way from the days when banks used just one credit score cut off to…


Mobile Banking – Can Analytics help banks innovate?

Posted on April 29, 2015 at 8:00am 0 Comments

Bank of America CEO  Brian Moynihan recently disclosed that its mobile customers grew by 2 million, touching 70 Million this year. Wells Fargo and JP Morgan Chase have already reported robust growth in mobile customers in 2014.

This rise in mobile banking users is welcome news for the banking industry. This growth is not limited to the US alone. Britain also, in the recent past, has seen an uptick in mobile banking users and the number is expected to reach 32.6 million by 2020 as per…


Cloud Based Analytics - Coming Clash of the Titans

Posted on April 4, 2015 at 7:30pm 0 Comments

From all indications, 2015 is well on its way to becoming the year of cloud computing. The feverish pitch of activities at key players on one hand and the data as well as observations of industry pundits affirm this. There are apparently  a handful of reason to keep the IT industry leaders awake at night.  

For starters, per , 2014 revenues for cloud services grew by…


Digital Banking – Lessons from channel integration

Posted on February 2, 2015 at 12:00am 0 Comments

Digital banking offers unprecedented opportunities both for banks as well as customers. It has provided banks breadth and ease in delivering their products and services to customers. As for customers, it has pushed service options and expectations to a new high. Given the opportunity spectrum, it is no surprise that banks have invested heavily in upgrading their digital preparedness. 2015 promises more investments in digital banking.

A definition of digital banking will be of help…


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