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This year's Global Wellness Day is a reminder that wellness isn't just a buzzword in HR decks. It's about the practical stuff: how we work and whether we have the space, support, and flexibility to show up as ourselves.

For most of the last three decades, credit assessment has followed a fairly familiar path. A customer applies for credit. The lender gathers financial information, reviews bureau data, checks affordability, and makes a decision based largely on historical performance and predefined risk policies.

There are moments when you watch a team at work and immediately sense the difference. Not from the qualifications on their CV, but from the way they communicate, the way they listen to each other, and the way they handle a difficult situation without losing their composure.