Sanmita Sengupta explains the fundamental challenge facing credit risk modeling today: incorporating climate risk when banks don't collect the data they need.

A 30-year mortgage needs to consider if the property will go underwater in 20 years - but banks don't have flood risk data, sea level projections, or physical climate scores. Regulators are demanding transparency before the infrastructure exists.

The solution? Partner with universities and climate research organizations for physical risk scores that can integrate into traditional credit models.

Climate risk integration isn't optional anymore - it's reshaping how credit risk works.

From Beyond Resume with Kausik Kumar.

Full episode available on all podcast platforms.