Four working theses, each written up with its evidence, method and market-specific implications. Publishing through Q4 2026.
Why a published performance statistic is a property of the test that produced it — and how a GCC lender measures the same score on its own book.
Why transaction data can add information to bureau scoring — and how a GCC lender tests whether that information is worth acting on.
Job loss is among the best-evidenced causes of consumer default. In the Gulf it reaches beyond income, and it arrives through the employer, often for many borrowers at once.
Continuous portfolio action under affordability constraints, and the opportunity most books leave unmanaged.