Estelle Caldwell / Chief Data Officer
Perspectives from a life in leadership.
The latest essay
Canadian mortgage arrears have stayed low while terms signed at the lowest rates renew at much higher ones. Boards should read payment strain and deposit behaviour instead, use what they learn to help borrowers and to provision honestly, and keep it out of pricing.
Read the essayCanadian mortgage arrears have stayed low while terms signed at the lowest rates renew at much higher ones. Boards should read payment strain and deposit behaviour instead, use what they learn to help borrowers and to provision honestly, and keep it out of pricing.
Fairness testing of credit models usually compares outcomes between groups at the end of the pipeline. In a bilingual market the larger harm often sits upstream, in record matching that fails more often for French names and addresses, and it usually afflicts the old process as much as the new model.
Canada's consumer-driven banking framework will let customers direct their bank to share their data with accredited participants. Banks should treat the shared fields as a product with a published quality standard and a correction route, not as an interface built to satisfy a rule.