October 2025
The Modern Credit Risk Management Playbook
6 Practical Steps to Evolve Credit‑Risk Teams from Silos to Product‑Led Growth
Key takeaways
- Embedding credit risk expertise in cross‑functional teams and treating models as products drives faster iterations and shared outcomes.
- Disciplined testing using champion‑challenger experiments and staged rollouts raises approvals while keeping losses within appetite.
- Balancing innovation with governance and ethics—validating feasibility, ensuring economic viability and prioritizing fairness—turns responsible lending into a competitive advantage.
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