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Have you ever wondered how some companies outperform others, or why a business model thriving in one market falls short in another? As employees, we often operate within established or proven business models without questioning their efficacy, uniqueness, or the challenges they might encounter. Although pondering these questions might not

We’re constantly attempting to forecast the future, asking questions ranging from the mundane—“What will tomorrow’s weather be like?”—to the substantial—“Will the economy collapse?” or “Is inflation expected to decline?”. In the professional realm, our predictions may seem comparatively minor, as we speculate whether business targets

I observed that many of us have posed similar questions: How can I develop a broader perspective? How can I think more deeply? Firstly, I want to emphasize that you shouldn’t feel disheartened by such inquiries. At times, these questions arise because your perspective differs from others. On other

Hard work propels us forward, but introspection ensures that our trajectory is correct. However, looking inward is no easy feat. Not only does it bring to the surface uncomfortable truths and past mistakes, but it also sometimes falls prey to our cognitive biases. Take the confirmation bias as an example;

Throughout our lives, we are bound by numerous constraints. Often, we never pause to reflect on their impact or contemplate if they can be modified, simply because we’ve grown so accustomed to their presence. Understanding Life’s Constraints: 1. Birthplace and Residency: * Welfare Infrastructure: This includes education, healthcare, and

The context for this blog post is important to grasp, so allow me to provide some background. Having graduated from University in 2017 and promptly joined the workforce, I’m now in my fifth year of employment. When I encounter fresh faces on the team, particularly those born in the

In my current company, Seamoney, there are two major teams responsible for managing the credit risk of the consumer loan portfolio: the Data Science Team (DS team) and the Credit Policy Team (Policy Team). Many of my colleagues, including myself in the Policy Team, have often wondered about the differences