Kelvin Teo
speaker
586 appearances
1 recordings
1 series
first heard Mar 2026
last heard 15 Mar
Kelvin Teo’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Mar 2026 with 1.
Appearances
Yeah.
So that was fine.
Um but I think when it comes to concentration risk, we learned our mistakes in 2018 when we were still relatively small and uh or so, right?
Mm.
So that will help us actually withstand the heat.
And also helps us to learn and avoid in the future also.
So it's really fortunate that we have the strong support of shareholders, but also rethinking the credit from a first principle perspective that helps us
And combining with what others, the banks and whatnot, they've done well, such that we have actually been able to navigate through the various cycles.
Mm.
just had
Yeah.
We just had a big default.
And that uh we were extremely apologetic.
But I think thankfully, because we were always fairly contrarian such that even in the first few years or so, 2015 to 17, we told the investors that hey, there's there's no default so far, but default is going to come.
Please diversify, please diversify, please diversify.
And we even forced investors to diversify, right?
That hey, if you invest, you deposited five thousand dollars on a platform and we see you putting two thousand dollars in one company, we actually
Block and we start setting a limit in terms of how much one can invest in a particular loan, right?
So so that helps us.
So some of this contrarian and early thinking has avoided a potential bl blow up or so.
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