goPeer closely monitors external macroeconomic conditions in addition to the performance of loans. Where signs indicate worsening conditions, we will make credit strategy changes to favor investor yield for new loans.
In addition, we regularly perform stress tests to simulate what could happen to investor returns during difficult periods, for example during an economic downturn. This is just one of many steps we’ve taken as part of a comprehensive, data-driven approach to risk management at goPeer.