Tejas Joshi·Sep 10Running Bank Stress Tests Inside Oracle Autonomous AI Database: AI Scoring, Vector Search, and an…How we built a live credit stress-testing platform where the models, the vector search, and the natural-language layer all run inside…
Shayan Ilahi·Aug 22Selecting Macroeconomic Factors for Forward Looking PD Adjustments: A Two Step ApproachAn ECL model exists to do one thing: estimate the expected value of a credit loss. Expected value is a probability weighted average of…
Shayan Ilahi·Aug 18Time Value of Money in IFRS 9 ECL: Why the Simplified Approach Does Not Let You Skip ItThere is a conversation I keep having with clients, almost word for word every time. I raise time value of money in the ECL calculation…
Aayushi Gupta·Oct 26, 2025The RBI’s Move to Expected Credit Loss: A New Era for Indian BankingOver the past eight years, I’ve worked with banks across the US and Europe on implementing expected credit loss (ECL) frameworks — under…
Rudhra Kumar Thota·Oct 9, 2025Credit Risk and IFRS 9 ModelsCredit Risk and IFRS 9 Models, with examples to illustrate their application.A response icon1
