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Suryadip Ghoshal on Muck Rack

Suryadip Ghoshal

As seen in: Hindustan Times
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Articles

AI lending trap: Knowing when a credit model has gone too far

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By Amit K. Das, Suryadip Ghoshal
| Hindustan Times Verified
The most dangerous credit model is not the one that crashes or produces an absurd result. It is the one that continues approving borrowers, rejecting applicants, and pricing risk with confidence, long after the environmental conditions and population attributes that once made those decisions reliable have changed. And it happens more often, and sometimes more prominently, than we realise; for instance, cyclones or poor monsoons can fundamentally shift risk understanding.
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