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Essays, frameworks and weekly editorials on credit risk, fintech, entrepreneurship and building resilient businesses.

The Best Hire I Ever Made Looked Wrong on PaperLeadership
The Best Hire I Ever Made Looked Wrong on Paper
October 19, 2026
The Global Economy Is Growing at 3.1%. Most Countries Are Not.Editorial
The Global Economy Is Growing at 3.1%. Most Countries Are Not.
October 17, 2026
Overpaying Does Not Show Up When You Buy. It Shows Up When You Sell.Real Estate
Overpaying Does Not Show Up When You Buy. It Shows Up When You Sell.
October 16, 2026
In the Pet Business, the One Customer You Can't Fool Is the One Who MattersBrand & D2C
In the Pet Business, the One Customer You Can't Fool Is the One Who Matters
October 16, 2026
The Most Valuable Thing a Product Team Does Is Say NoProduct
The Most Valuable Thing a Product Team Does Is Say No
October 15, 2026
The Bond Market Just Repriced TimeEditorial
The Bond Market Just Repriced Time
October 12, 2026
The One Thing an Independent Director Is Actually ForGovernance
The One Thing an Independent Director Is Actually For
October 7, 2026
I Run Four Businesses That Have Nothing to Do With Each Other. On Purpose.Entrepreneurship
I Run Four Businesses That Have Nothing to Do With Each Other. On Purpose.
October 5, 2026
The Paycheck Is the Early-Warning SignalEditorial
The Paycheck Is the Early-Warning Signal
October 3, 2026
The NOI in the Memorandum Is Not the NOI You Will EarnReal Estate
The NOI in the Memorandum Is Not the NOI You Will Earn
October 1, 2026
In Healthcare, Your Fiercest Competitor Is the Patient Who Stops ComingHealthcare
In Healthcare, Your Fiercest Competitor Is the Patient Who Stops Coming
September 30, 2026
Your Best People Are Doing Your Worst-Leveraged WorkOperations
Your Best People Are Doing Your Worst-Leveraged Work
September 28, 2026
Same Company, Two Buyers: What the Share Price Assumes, and Where a Buyout's 20% Comes FromValuation
Same Company, Two Buyers: What the Share Price Assumes, and Where a Buyout's 20% Comes From
September 24, 2026
A $150m Valuation Does Not Mean the Founders' 35% Is Worth $52mValuation
A $150m Valuation Does Not Mean the Founders' 35% Is Worth $52m
September 24, 2026
The Company Looked Perfect. It Was Running Money in a Circle.Forensic & Audit
The Company Looked Perfect. It Was Running Money in a Circle.
September 23, 2026
The Project Finance Model That Could Not Show a Bad OutcomeCredit & Risk
The Project Finance Model That Could Not Show a Bad Outcome
September 21, 2026
The RBI Governor Said Two Things About Fintech Credit. The Second Matters More.Credit & Risk
The RBI Governor Said Two Things About Fintech Credit. The Second Matters More.
September 21, 2026
Take Out Oil and Gold, and India’s Trade Deficit Is a China DeficitGovernment Data
Take Out Oil and Gold, and India’s Trade Deficit Is a China Deficit
September 26, 2026
India Sells to 228 Countries. Thirty of Them Carry the Load.Government Data
India Sells to 228 Countries. Thirty of Them Carry the Load.
September 19, 2026
Two Categories Are Doing Most of the Work in Telangana’s InflationGovernment Data
Two Categories Are Doing Most of the Work in Telangana’s Inflation
September 16, 2026
Letting Someone Go Is the Truest Test of a ManagerLeadership
Letting Someone Go Is the Truest Test of a Manager
September 15, 2026
Which Inflation Is the Fed Fighting?Editorial
Which Inflation Is the Fed Fighting?
September 12, 2026
One Invoice, Four Altitudes: A Data Framework for Sales, Credit, Collections, AR, AP and CashData & Strategy
One Invoice, Four Altitudes: A Data Framework for Sales, Credit, Collections, AR, AP and Cash
September 11, 2026
India's GCC Boom Is Repeating a Mistake I Watched a Decade AgoGlobal Delivery
India's GCC Boom Is Repeating a Mistake I Watched a Decade Ago
September 11, 2026
I Built the Software Lenders Use to Judge Borrowers. Then I Had to Ask for Credit Myself.Credit & Risk
I Built the Software Lenders Use to Judge Borrowers. Then I Had to Ask for Credit Myself.
September 7, 2026
The Freshwater LedgerEditorial
The Freshwater Ledger
September 5, 2026
Stabilizing the Long End: What It Would Actually TakeEditorial
Stabilizing the Long End: What It Would Actually Take
September 4, 2026
In D2C, the First Order Is Marketing. The Second Is the Business.Brand & D2C
In D2C, the First Order Is Marketing. The Second Is the Business.
September 4, 2026
What Actually Kills a Family Business Isn't Competition — It's the HandoverGovernance
What Actually Kills a Family Business Isn't Competition — It's the Handover
September 2, 2026
Holding Your Price Is the Cheapest Marketing You'll Ever RunProduct
Holding Your Price Is the Cheapest Marketing You'll Ever Run
August 31, 2026
The Week the Signals Stopped AgreeingEditorial
The Week the Signals Stopped Agreeing
August 29, 2026
The DSO Illusion: Why Global Payment Terms Look Fine While the Supply Chain DrownsCredit & Risk
The DSO Illusion: Why Global Payment Terms Look Fine While the Supply Chain Drowns
August 26, 2026
The Hire I Regret Looked Perfect on PaperLeadership
The Hire I Regret Looked Perfect on Paper
August 24, 2026
Who Owns the Long End?Editorial
Who Owns the Long End?
August 22, 2026
Building the Rate: Risk-Based Pricing and RAROC in MSME LendingCredit & Risk
Building the Rate: Risk-Based Pricing and RAROC in MSME Lending
August 16, 2026
Why I Bet on Boring BusinessesEntrepreneurship
Why I Bet on Boring Businesses
August 21, 2026
Healthy Margins by Design: The One Question I Ask Before Any BusinessEntrepreneurship
Healthy Margins by Design: The One Question I Ask Before Any Business
August 19, 2026
Underwriting the Invisible Borrower: A Practitioner's Guide to MSME Credit Risk in IndiaCredit & Risk
Underwriting the Invisible Borrower: A Practitioner's Guide to MSME Credit Risk in India
August 17, 2026
The $820 Billion That Isn't on the Balance SheetEditorial
The $820 Billion That Isn't on the Balance Sheet
August 15, 2026
AI Made Judgment the Only Scarce Thing LeftEntrepreneurship
AI Made Judgment the Only Scarce Thing Left
August 14, 2026
The Cheapest Research in Business Is a Conversation With Ten CustomersProduct
The Cheapest Research in Business Is a Conversation With Ten Customers
August 12, 2026
The Most Expensive Bet I Ever Made Was on My Own JudgmentEntrepreneurship
The Most Expensive Bet I Ever Made Was on My Own Judgment
August 10, 2026
B2B Credit, Part I — The Grant Decision: Who Gets COD, Who Gets Net 30, and Who Earns 90 DaysCredit & Risk
B2B Credit, Part I — The Grant Decision: Who Gets COD, Who Gets Net 30, and Who Earns 90 Days
August 9, 2026
B2B Credit, Part II — Monitoring the Book: Aging, DSO, CEI and the Signals That Arrive Before the DefaultCredit & Risk
B2B Credit, Part II — Monitoring the Book: Aging, DSO, CEI and the Signals That Arrive Before the Default
August 9, 2026
B2B Credit, Part III — Collections, Disputes and the Cash Conversion CycleCredit & Risk
B2B Credit, Part III — Collections, Disputes and the Cash Conversion Cycle
August 9, 2026
The Unemployment Rate Fell. That's the Worst Part.Editorial
The Unemployment Rate Fell. That's the Worst Part.
August 8, 2026
AI Is Better Than Us at Scoring Credit — and Nowhere Near Ready for the Decisions That MatterCredit & Risk
AI Is Better Than Us at Scoring Credit — and Nowhere Near Ready for the Decisions That Matter
August 7, 2026
I've Built Four Businesses Without Raising a Rupee. Here's the Trade.Entrepreneurship
I've Built Four Businesses Without Raising a Rupee. Here's the Trade.
August 5, 2026
Five Balance-Sheet Red Flags You Can Catch in a Ten-Minute ScanForensic & Audit
Five Balance-Sheet Red Flags You Can Catch in a Ten-Minute Scan
August 3, 2026
The Bond Market Cast the Deciding VoteEditorial
The Bond Market Cast the Deciding Vote
August 1, 2026
Your Bottleneck Is Never Where You Think It IsOperations
Your Bottleneck Is Never Where You Think It Is
July 31, 2026
Every Dashboard Is a Story Someone Chose to TellData & Strategy
Every Dashboard Is a Story Someone Chose to Tell
July 30, 2026
How Exchange Rates Are Actually Computed — and How They Reprice Sovereign and B2B CreditCredit & Risk
How Exchange Rates Are Actually Computed — and How They Reprice Sovereign and B2B Credit
July 27, 2026
The Health Problem Millions Won't Talk About — and Why We Built for ItHealthcare
The Health Problem Millions Won't Talk About — and Why We Built for It
July 27, 2026
The Feedback Sandwich Is a Lie — and Your Team Knows ItLeadership
The Feedback Sandwich Is a Lie — and Your Team Knows It
July 24, 2026
Early-Warning Systems in MSME Lending: Catching the Default Twelve Months Before It HappensCredit & Risk
Early-Warning Systems in MSME Lending: Catching the Default Twelve Months Before It Happens
July 22, 2026
You Can't Fake Trust in a Category Built on HypeBrand & D2C
You Can't Fake Trust in a Category Built on Hype
July 22, 2026
What a Startup Board Is Actually For (and What It Isn't)Governance
What a Startup Board Is Actually For (and What It Isn't)
July 20, 2026
Decision Trees, Neural Networks and the Machine-Learning Stack Behind MSME Credit RatingsCredit & Risk
Decision Trees, Neural Networks and the Machine-Learning Stack Behind MSME Credit Ratings
July 18, 2026
Discounting Is the Most Expensive Marketing You'll Ever RunProduct
Discounting Is the Most Expensive Marketing You'll Ever Run
July 17, 2026
The US and India Each Do Brilliantly What the Other Struggles WithGlobal Delivery
The US and India Each Do Brilliantly What the Other Struggles With
July 15, 2026
Collections and Recoveries Across Continents — and Why They Decide the Price of Future CreditCredit & Risk
Collections and Recoveries Across Continents — and Why They Decide the Price of Future Credit
July 13, 2026
If Your Business Needs a Hero, You Don't Have a BusinessOperations
If Your Business Needs a Hero, You Don't Have a Business
July 13, 2026
The Proof-of-Concept TrapProduct
The Proof-of-Concept Trap
July 10, 2026
How to Evaluate the Credit Risk of a ₹50-Crore MSME: Six Lenses, One VerdictCredit & Risk
How to Evaluate the Credit Risk of a ₹50-Crore MSME: Six Lenses, One Verdict
July 9, 2026
Give a Team the Wrong Metric and They'll Hit It PerfectlyLeadership
Give a Team the Wrong Metric and They'll Hit It Perfectly
July 8, 2026
The Most Underrated Career Skill Is Starting OverEntrepreneurship
The Most Underrated Career Skill Is Starting Over
July 6, 2026
Building Business Credit Around the World: The American Template, Europe's Registries, and India's Data-Driven LeapfrogCredit & Risk
Building Business Credit Around the World: The American Template, Europe's Registries, and India's Data-Driven Leapfrog
July 4, 2026
ULI: India's UPI Moment for CreditCredit & Risk
ULI: India's UPI Moment for Credit
July 3, 2026
The Models Used to Detect Balance-Sheet Discrepancies and FraudForensic & Audit
The Models Used to Detect Balance-Sheet Discrepancies and Fraud
July 1, 2026
Your Data Is Capital, Not an IT ExpenseData & Strategy
Your Data Is Capital, Not an IT Expense
July 1, 2026
Better Aim Beats a Bigger BudgetEntrepreneurship
Better Aim Beats a Bigger Budget
June 29, 2026
Rented Growth vs Owned GrowthEntrepreneurship
Rented Growth vs Owned Growth
June 26, 2026
In Healthcare, the Outcome Is the MarketingHealthcare
In Healthcare, the Outcome Is the Marketing
June 22, 2026
From Offshore Team to Capability CenterGlobal Delivery
From Offshore Team to Capability Center
June 18, 2026
The Useful Skeptic in the RoomGovernance
The Useful Skeptic in the Room
June 15, 2026
India's MSMEs Are Financing Their Own CustomersCredit & Risk
India's MSMEs Are Financing Their Own Customers
June 11, 2026
Why I Underwrite Every Business the Same WayEntrepreneurship
Why I Underwrite Every Business the Same Way
June 8, 2026
The 10% Rule Every Dog Parent Should KnowBrand & D2C
The 10% Rule Every Dog Parent Should Know
June 4, 2026
Underwriting the Invisible BorrowerCredit & Risk
Underwriting the Invisible Borrower
May 30, 2026