Unsecured Lending Risk Management

A Practitioner's Guide

Frank Tian

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English

Green Wheat Publishing
01 April 2025

Behavioural economics; Finance; Banking

A comprehensive introduction to unsecured lending risk management.

In the digital era, various personal lending products emerge every day, from different banks, credit unions, and fintech companies. How can these lenders extend billions of dollars in loans without asking for any collateral? How do credit risk professionals manage the risk of an unsecured lending portfolio effectively?

Unsecured Lending Risk Management provides a comprehensive introduction that will help readers quickly establish a holistic view of the risk management practices in this traditional, yet quickly evolving industry. In this easy-to-follow guide, all behind-the-scenes risk management decisions and best practices are revealed.

The author puts all of his experience in managing billions of dollars of unsecured lending portfolios over the past two decades into this book.

- Those exploring a career in unsecured lending risk management will find this book to provide important business contexts and the know-how that will help them launch their career.

- For risk professionals in the early phase of their careers, this book will facilitate you to become a well-rounded professional and further advance your career.

- Seasoned risk and non-risk professionals in the lending ecosystem can find this book to be a quick refresher of key aspects in portfolio risk management.

- Curious consumers will get a peek into how the decisions on your own credit cards, loans, lines, and overdrafts are made.

By: Frank Tian
Imprint: Green Wheat Publishing
Edition: 2nd ed.
Dimensions: Height: 229mm, Width: 152mm, Spine: 19mm
Weight: 472g
ISBN: 9781777592752
ISBN 10: 1777592755
Pages: 354
Publication Date: 01 April 2025
Audience: General/trade , ELT Advanced
Format: Paperback
Publisher's Status: Active

Frank Tian is a seasoned risk management professional in the unsecured lending industry. His work over the past two decades has spanned the full spectrum of consumer credit risk management, from credit strategy and risk modeling to credit systems and fraud management. Frank has held various risk positions at multiple banks and non-bank financial institutions in the US and Canada, including Wells Fargo, MUFG Union Bank, GE Money, BMO, CIBC, and H&R Block. He holds a Master's Degree in Economics from the University of Ottawa and is a certified Financial Risk Manager (FRM).

Reviews for Unsecured Lending Risk Management: A Practitioner's Guide

A Comprehensive Overview Anyone who is working to advance a young career or is considering a career in credit risk management will greatly benefit from this book. Bryan Leaver, Chief Risk Officer, Luxury Card Easily Digestible This book fulfills an acute need to understand the core principles and day-to-day practices of consumer credit risk management. Aseem Bhatnagar, VP, Risk Management, TD Bank Unsecured Lending Risk Management Demystified Frank's practical experience, narratives, and insights all condensed into a book you can find nowhere else. Eric Liu, Co-founder & CEO, WeCareer Inc. Head of Data Analytics Program, WeCloudData Extremely Thorough Guide Highly recommended to all people working in risk management in the banking industry. John Xu, Founder, 1st Consulting A Handy Book For Risk Professionals This book deserves a spot on every risk manager's bookshelf. Holly Wang, Senior Manager, Risk Management Very Good Primer Reading the book feels like shadowing a pro at the best of what he does. Sleepy_bn Amazing Book If you are new to credit risk, then this is an absolute must-read. Even if you are an experienced risk professional, this book gives you a good refresher on all strategies in one place. RP Well-constructed Structure The book covers practical knowledge written in a well-constructed way using simple concepts in the domain of unsecured lending ... I really like that. Thaison