Credit risk is becoming harder to assess in a world where economic conditions, borrower behaviour, and funding costs can change quickly. Traditional models were built for more predictable environments, yet lenders now face greater uncertainty, evolving customer expectations, and new forms of portfolio risk. 

This session examines how lenders are reshaping credit risk strategies for a more volatile market, from managing legacy loan portfolios to adapting to changing borrower behaviour and building more resilient lending businesses.

• Why uncertainty, changing borrower behaviour, and elevated rates are reshaping traditional approaches to credit risk. 
• What strategies are helping lenders manage legacy low-yield loan portfolios while positioning for higher-rate lending opportunities. 
• How changing customer expectations are influencing credit risk assumptions and portfolio strategy. 
• How lenders balance growth, resilience, and portfolio performance in an increasingly volatile market.