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
Willing to give us this information.
And because this information for a decently run SME, you should have them.
Yeah.
So if they can't give us a red flag by itself, right?
And with that, I triangulate the various information, right?
That the financial statements, links to bank statements, links to tax filing, teams to AR, AP aging, like all these are related, right?
And that after a while, like how can this number be so good when that number is so bad?
Also, like also, and it's very hard for you to doctor all these types of information that
the same time.
So that's why from a fraud risk perspective, like there are still fraud risks, but it's actually relatively low compared to what others have thought.
Mm.
A lot of it is counterparty risk.
The SMEs they have concentration risk and if their customers don't pay them, how do they manage also?
How much buffer do do they have so and so forth that has resulted in defaults for SMEs.
Is there a way for you to size counterparty risk?
Ultimately we try to manage it by s by
A, of course, reviewing the AR AP aging quite closely and seeing whether what they submitted to us is even believable.
I think first and foremost is that if you see a usually a bank underwriter, we give them information, the first thing is to put into spreadsheet and whatnot and compare ratios and stuff, right?
For us, the first thing is to see what numbers I can trust, what numbers I need to discount also, right?
Um I think when it comes to counterparty risk also, we evaluate AR AP aging, but equally important is what is the psychicality as well as the sensitivity of the numbers.
Showing 461–480 of 586 · page 24 of 30
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