Carolyn Röhm knows what she's talking about. With more than twenty years as an analyst across leading banks and financial services organisations in South Africa, New Zealand and Australia, her expertise covers the full spectrum of consumer lending.
'A must for any credit risk analyst starting out or as a point of reference when embarking on any analytical task. This clear, concise, comprehensive, and practical guide to credit risk analytics provides insights into what analysts take years to learn from others. It is so rare to find such an excellent and easy-to-understand introduction to the practical world of credit risk. I look forward to Carolyn's next book!' - Eva Neves, COO, ADEPT Decisions 'It's rare to find a book on credit risk that is so well written and easy to understand. I loved the way Carolyn sets out key concepts in such a lucid and attractive style, often drawing on her real-life experiences. She provides an expert view of the credit risk cycle, offering superb advice throughout. This book is a great introduction to credit risk. It will be invaluable for anyone new to the industry, as well as for more seasoned analysts looking to expand their knowledge base.' - Stuart Baxter, GM Analytics, Centrix 'My impression of It's a Risky Business fits a Chinese phrase shen ru qian chu, that may be translated as 'in through the depths and shallows'. It is written by a mentor who has a deep grasp of complex subjects yet can convey them in simple terms. The plain, conversational tone of this book would be a great template for analysts to emulate when we collaborate with others. It's a Risky Business would be a perfect learning roadmap for developing analysts.' - Scott Liang, Head of Credit Risk NZ, humm group