Shows / Leaders in Lending
Leaders in Lending
Leaders In Lending is a show for lending professionals who want to grow their consumer lending programs and improve their consumer experiences. Consumers continue to expect faster, easier online experiences from every company—and our knowledgeable guests will share how they are bringing their organizations and lending products forward into the future.
Every week, Leaders In Lending will bring you actionable advice and key learnings from experienced leaders to help you navigate the future of…
Episodes
- Leaders in Lending
Driving an Amazon-Like Experience for Members
When members do business at their credit union, their digital preferences aren’t just measured against other experiences in the financial services space — but…
- Leaders in Lending
Fair Lending and AI: A Conversation with Upstart’s Chief Compliance Officer, Annie Delgado
Access to credit is the key to opportunity and upward mobility for millions of Americans, yet less than half of Americans have access to prime credit today. AI…
- Leaders in Lending
Digital Assets and the Metaverse: How Credit Unions Can Deliver Value
What is the value of digital assets and how are they used? It’s not an easy question to answer- and it’s not just about cryptocurrency either. Is it possible…
- Leaders in Lending
Tapping into Underserved Homebuyers with Co-Ownership
In the current economic environment, finding an affordable home has become out of reach for many potential buyers. What if a realistic option was to co-own a…
- Leaders in Lending
Blockchain Banking: Another Avenue for Lending Markets
Is the future of everyday transactional banking going to be on the blockchain? Are we closer to bringing traditional currencies into and out of the crypto…
- Leaders in Lending
The Opportunity with AI Driven Lending: Paul Gu
There’s a lot of buzz about the “artificial intelligence revolution” and the impact it’s going to have on businesses as we know it. As AI and machine learning…
- Leaders in Lending
Addressing Post-Pandemic Challenges Across Talent, Regulation and Customer Needs
Banking has seen some drastic shifts since the global pandemic- from the competition to attract and retain new talent, to meeting the needs of customers facing…
- Leaders in Lending
Expanding Opportunity and Financial Freedom with MDIs and CDFIs
In recent years there has been more reporting and recognition of the racial wealth gap- the large, and growing, gap in the percentage of family wealth in black…
- Leaders in Lending
Creating a Mission-Led Credit Union Fostering Financial Wellness
Credit unions are dedicated to not only serving their members’ financial needs, but to helping their members foster long-term, financial wellness. Our guest…
- Leaders in Lending
Balancing Digital with Human Touchpoints to Excel in Consumer Lending
Digital strategies are not just for deepening relationships with your customers. The digital experience is also a way to refine and improve processes while…
- Leaders in Lending
Boosting Results for Credit Unions with Holistic Digital Marketing
Digital advertising is a given for any business in the world today, but how can credit unions connect the right products to their existing members and grow…
- Leaders in Lending
Winning the Battle for Member Loyalty
In a market where the consumer is juggling multiple relationships with financial institutions, how can credit unions compete? Consumers want to better…
- Leaders in Lending
Leveraging Data to Thoughtfully Position Products and Deepen Consumer Relationships
Providing consumers with their credit score is table stakes in consumer banking. Now, banks and credit unions can take this a step further to assess where and…
- Leaders in Lending
Understanding the People Behind the Numbers in Fair Banking
Data is critical to lending institutions, but financial institutions must remember that there are people behind the numbers. With a focus on fair lending…
- Leaders in Lending
Partnering to Diversify the Portfolio and Expand into New Products
It’s a changing world. You can’t do business as usual and expect it to continue to work for your customers. That’s why innovation around new market approaches…
- Leaders in Lending
The Importance of Data Access and Reporting During Uncertain Economic Times
The potential crisis has everyone concerned, but there is also opportunity at junctures like this in the market. Perry Rahbar, Founder an d Chief Executive…
- Leaders in Lending
Understanding Trends in Consumer Behavior: The rise of BNPL, solar energy and crypto
In the midst of rising rates, how are personalized loans and securitized loans poised to change or influence the lending landscape? Anand Cavale, EVP of…
- Leaders in Lending
The Paradigm Shift in Payments: Modernization in Card Issuing and Processing
How can lenders create a differentiated transaction experience for their borrowers with such a technically simple integration? Randy Kern, Chief Technology…
- Leaders in Lending
Where AI Meets Finance: Upstart Hosts ‘Boosted’ in San Francisco
"We should remember to always look back at ourselves and realize the power of what we can do if we push the ball forward," said Dave Girouard, Upstart's…
- Leaders in Lending
Building Systems Around Member Experiences to Retain Loyalty
Member loyalty isn’t what it used to be. Once upon a time, loyalty was the product of proximity, or due to a family or friend recommendation. But loyalty has…
- Leaders in Lending
AI Lending 201: The Evolution of AI and Machine Learning at Upstart
When you’re applying AI from scratch, there are a few lessons to keep in mind. One that stands out is to ensure the machine learning solution is well suited to…
- Leaders in Lending
Building an Innovative and Member-Centric Credit Union with Fintech Partnerships
Credit unions take pride in satisfying the needs of their members. However, many credit unions are overlooking a key way to bring more value to their…
- Leaders in Lending
Tapping into the Unsecured Personal Lending and Auto Refinance Opportunities
There are two lending spaces that tend to be underappreciated by many financial institutions: unsecured consumer lending and auto refinancing. Jay Fee, Vice…
- Leaders in Lending
A Macro View of the Big Trends in Banking in 2022
As the CEO & Co-Founder of Sandbox Banking, a company that connects financial institutions with fintechs, Ravi Balasubramanian has an excellent vantage point…
- Leaders in Lending
Forging Fintech Partnerships to Digitally Scale and Create a Holistic View of Data
More and more consumers are choosing to conduct their banking transactions online, and as such, financial institutions are adjusting their services to meet the…
- Leaders in Lending
How Apple Bank Launched an Unsecured Consumer Lending with Upstart
As a long-standing financial institution on the east coast, Apple Bank has weathered the many waves of innovation in the financial sector. Now that they have…
- Leaders in Lending
Maintaining the Value Chain through Front- and Back-Office Operations
The key to navigating the changing tides of customer preference and the digital transformation of the industry lies in understanding your value chain…
- Leaders in Lending
Cultivating Operations and Culture in a Digital-First Environment with Anna Counselman
Anna Counselman views operations through the lens of the customer – that is, understanding the customers’ pain points and ensuring solutions make it onto the…
- Leaders in Lending
Fostering Innovation in Credit Cards, BNPL & Credit Management
From credit cards to buy now pay later, Jerry O'Flanagan, EVP at First National Bank of Omaha, and his team are pushing the boundaries of what big banks…
- Leaders in Lending
A Fireside Chat with Upstart’s CEO, Dave Girouard
Dave Girouard, Co-Founder & CEO at Upstart, believed that young people were "potential rich yet cash poor"—and that dynamic caused them to make poor financial…
- Leaders in Lending
How to Approve More Borrowers & Lower the Cost of Lending with AI
With the help of AI technology, the subjectivity with approving or denying borrowers for credit has been removed and replaced this with objective reasons that…
- Leaders in Lending
The Shift from Preventing Risk to Enabling Risk-Adjusted Rewards
There’s a delicate balance between balancing risk and reward. Michael Reed, Chief Risk Officer at WSFS Bank, emphasizes how risk managers can partner with…
- Leaders in Lending
Unlocking Financial Freedom for All: Pioneering an Ecosystem of Connected Financial Solutions
Consumers have been adopting fintech solutions at an increasing rate. In fact, according to a Harris Poll conducted in conjunction with Plaid, the number of US…
- Leaders in Lending
The Steady Adoption of AI & Machine Learning in Credit & Banking
The more banks lend, the better they do and the broader their customer base becomes. With AI & ML, banks can lend to a larger set of customers — those who are…
- Leaders in Lending
From Cultural to Digital Transformation: Aligning Incentives and Exploring New Products
For a long time, banks didn't fully understand the value fintechs provide. As partnerships with fintechs have grown, banks are experiencing that value…
- Leaders in Lending
Digital Transformation and the Community Reinvestment Act: Partnering with Fintechs to Serve LMI Communities
The community reinvestment act (CRA) is a decades-old law requiring banks to meet the credit needs of their community, but with all the changes that have taken…
- Leaders in Lending
BNPL, eCommerce, and Crypto: Leading Trends Driving Consumer Preferences
Customer needs are changing, and along with them, borrowing behaviors. How does this impact consumer lending and banking? Rich Longo, Investor and Growth…
- Leaders in Lending
How Blockchain, Crypto Assets, DeFi and NFTs are Transforming Financial Services
In traditional finance, the system runs on a centralized infrastructure and the burden of trust falls on people. In decentralized finance (DeFi), the burden of…
- Leaders in Lending
Back to Basics: AI Lending 101
We've talked about AI a lot on this show, but we’ve never explained what it is exactly. In this first part of a series of episodes explaining AI, we’re going…
- Leaders in Lending
Safe is Risky: How Lenders Can Embrace Continuous Innovation
Banks can no longer afford to play it safe when it comes to their digital capabilities. “Safe” is now risky. That’s why, in this episode, Tony Hejna, EVP…
- Leaders in Lending
Leveling the Playing Field: How Community Banks Can Use AI to Achieve Personalized and Socially-Responsible Lending
Financial institutions, particularly community banks, are experiencing a paradigm shift in the architecture of banking. While the idea of stitching together…
- Leaders in Lending
2021 Wrap Up: The Top Bold Predictions in Lending & What’s Ahead in the New Year
How we grow digitally and use aids such as AI to accelerate current processes have been hot topics in the finance space for a while. And through the…
- Leaders in Lending
How Alternative Credit Data is Driving Financial Inclusion w/ Greg Wright
Only 82% of the US population can be scored using conventional credit scores. That unscorable 18% is overwhelmingly comprised of marginalized communities—and…
- Leaders in Lending
AI & Alternative Data: Having a Clear Idea of Your Ideal Customer w/ Jonathan Gagliano
Connecting with new and existing customers for financial institutions has been a challenge to execute. But with so much opportunity, it’s something financial…
- Leaders in Lending
Looking Towards the Future of Banking w/ Richard Hunt
Banking is changing. The industry is at a transformation point. Consumers by and large have shown that they are ready to conduct their banking online. And the…
- Leaders in Lending
Balancing Digital Touchpoints & Traditional Offerings w/ Nathanael Tarwasokono
In the modern world, financial institutions are looking to strike a delicate balance between offering consumers easy transactional interactions online and…
- Leaders in Lending
Delivering a Better Digital Experience to Earn Trust & Loyalty
Building trust and loyalty in the digital age is an ongoing challenge many businesses face. The question always comes down to: What investments should you be…
- Leaders in Lending
How Credit Union Leaders Are Navigating Digital Transformation
As community-based institutions, credit unions are well positioned to truly understand the unique needs of their members. With digital platforms and evolving…
- Leaders in Lending
Digital Banking: Bringing a Human Touch to a Branchless Experience
Digital-only banks face a particular challenge: How do you create that human touch without having the physical human touch? As a branchless entity, Axos Bank…
- Leaders in Lending
Driving Loan Demand Through Marketing Personalization
Cash is up and loan demand is down.One way to navigate this challenge is by driving demand through personalized marketing. Personalization is especially…
- Leaders in Lending
Product-Agnostic Lending: Focusing on What the Customer Needs
The old paradigm in banking involved developing a product and turning to life-stage marketing to sell that product to customers. But that paradigm is evolving…
- Leaders in Lending
Transforming Processes to Improve the Retail Lending Customer Experience
Around 15 years ago, non-bank financials had about 20% of the share of mortgage originations. Today, they have over 60% of the share. Why? It’s because they…
- Leaders in Lending
Education Loans and Credit Unions: LendKeys’ Partnerships Approach
Around the time of the Great Recession, there weren’t many lenders originating educational loans. Most of them had exited the business because of the…
- Leaders in Lending
Credit Union Advocacy: Key Areas of Focus to Improve Accessibility
Credit Union National Association , or CUNA, represents 5,000 credit unions in the United States serving more than 120 million americans. In partnership with a…
- Leaders in Lending
Modern Differentiators: Exceptional Experience & Relationship Management
Throughout history, most financial institutions have viewed loans as commodity products. Pricing and distribution — the economics of the selling model — have…
- Leaders in Lending
Entering a Digital World Through Partnerships
It’s tough for smaller credit unions to compete in a digital transformation world. Most of the time, they just don’t have the IT budgets to play in that space…
- Leaders in Lending
How Credit Unions Can Prepare for a Successful Future
No matter how many shiny advertisements fintechs put out, it would be a mistake to confuse them for omens marking the end of traditional financial institutions…
- Leaders in Lending
Fast, Easy, Simple: Improving Customer Experience in a Digital World
When it comes to the future of banking, the best service may be no service at all. In other words, the best service may be self-service. Mark Pregmon, GM of…
- Leaders in Lending
The Rise of Cloud Core Banking Systems
In a digital world, legacy core banking systems just aren’t allowing banks to meet the demands of the modern customer. With the rise of digital banking, cloud…
- Leaders in Lending
The Modern Move Towards Experiential Banking w/ Jim Wechsler at WSFS Bank
With the shift to digital, people are coming into retail branches less often — but for more important things. Because of this transition, banks are making the…