Leaders in Lending

Latest Episodes:

Partnering to Diversify the Portfolio and Expand into New Products Jul 06, 2022

Show notes

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 are more important than ever, and that doesn’t happen by accident. It requires investment in new technology and the right team to understand and navigate it. David Houchen, Senior VP and CFO at First Federal Bank of Kansas City, explains that lenders can’t be offering the same things they did 15 years ago, and how partners open the door for new product offerings.
Join us as we discuss:
How FFBKC worked with Upstart to build their unsecured lending portfolio
Their focus on diversifying their loan asset mix
The decision to partner for personal loans

The Importance of Data Access and Reporting During Uncertain Economic Times Jun 29, 2022

Show notes

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 Officer of dv01, shares his insights on services that are most valuable during uncertain times. Additionally, Rahbar discusses how the mortgage crisis led him to found a unique FinTech data operation.
Join us as we discuss:
How dv01 was born out of the mortgage crisis
dv01’s position as a data hub integrating with originators, banks and investors
The economic outlook and how this will impact demand for credit
Opportunities in solar and auto loans

Understanding Trends in Consumer Behavior: The rise of BNPL, solar energy and crypto Jun 22, 2022

Show notes

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 Unsecured lending at Guaranteed Rate, with his varied background in engineering, banking and credit cards, shares his thoughts on the emerging trends in consumer lending and gives us background info on when the changes started.
Join us as we discuss:
Rising rates on credit cards may create opportunities for personals loans
The move toward buy now, buy later and its implications
The opportunity and pitfalls of student lending
The shift towards solar energy and crypto

The Paradigm Shift in Payments: Modernization in Card Issuing and Processing Jun 15, 2022

Show notes

How can lenders create a differentiated transaction experience for their borrowers with such a technically simple integration?
Randy Kern, Chief Technology Officer at Marqeta, discusses how they are disrupting the payments industry with transaction-based decisioning and buy-now-pay-later, and how lenders can work to optimize both internal processes as well as the borrower experience.
Join us as we discuss:
Building more visibility between borrowers and their finances
Moving the credit decision to the transaction level
The growing focus on risk products and capabilities
The evolution of BNPL
Fighting fraud while maintaining a best-in-class borrower experience

Where AI Meets Finance: Upstart Hosts ‘Boosted’ in San Francisco Jun 08, 2022

Show notes

"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 Co-Founder and CEO at Upstart's inaugural event - boosted.
boosted was first in Upstart's annual conference to spur discussion around the future of AI and finance.
Jeff Keltner, Senior Vice President of Business Development at Upstart, gives an insider view on what took place at boosted, including the line-up of A-list speakers in the FinTech space.
Marc Benioff kicked off the 3 day event with a conversation about not just what business is doing for profit, but for changing the world for the better. Dave Girouard, Upstart’s CEO, discussed inclusive lending and how broader access to credit is key to unlocking the American dream for more borrowers.
Hear about these key moments and highlights from Boosted:
How many Americans are being left out of the credit system despite being creditworthy
Trends in the consumer lending space- including lending in emerging markets
Politics, the regulatory landscape and how that might impact financial institutions
The future applications of cryptocurrency
An inside view from Washington on emerging technologies like AI
Upstart will be posting more from this event, so keep an eye on Jeff and Upstart’s social media.
More information about Jeff and today’s topics:
LinkedIn Profile: https://www.linkedin.com/in/jeffkeltner/
Company Website: https://www.upstart.com/
To hear more from Leaders in Lending, check us out on Apple Podcasts, Spotify, or on our website.
Listening on a desktop & can’t see the links? Just search for Leaders in Lending on your favorite podcast player.

Building Systems Around Member Experiences to Retain Loyalty Jun 01, 2022

Show notes

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 changed. It’s gone from loyalty to a provider, to loyalty to an experience.
On this episode of Leaders in Lending, we sit down with Rick Jarrar. Rick is the Chief Lending Officer at Kemba Financial Credit Union, and our conversation was all about:
How to gain and retain member loyalty
The evolution of the branch from transactional to advisory services
The surge in BNPL payments and its impact
The applications of cryptocurrency
To hear more from Leaders in Lending, check us out on Apple Podcasts, Spotify, or on our website.
Listening on a desktop & can’t see the links? Just search for Leaders in Lending on your favorite podcast player.

AI Lending 201: The Evolution of AI and Machine Learning at Upstart May 25, 2022

Show notes

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 the problem.
Here’s the story of how we evolved our ML strategy at Upstart.
Hear about how to apply AI in the lending environment from Leaders in Lending host Jeff Keltner, Senior Vice President of Business Development at Upstart:
Challenges to overcome at the beginning stage of the ML journey
Why feature engineering and first-party data build on each other
The evolution of Upstart’s underwriting model
Shifting from manual to automatic identity verification
How to attain more interesting predictions and apply them in the credit industry
Mitigating risk with creativity
More information about Jeff and today’s topics:
LinkedIn Profile: https://www.linkedin.com/in/jeffkeltner/
Company Website: https://www.upstart.com/
Ep. 41 - Back to Basics: AI Lending 101 w/ Jeff Keltner: https://podcasts.apple.com/us/podcast/back-to-basics-ai-lending-101/id1561389602?i=1000548218905
To hear more from Leaders in Lending, check us out on Apple Podcasts, Spotify, or on our website.
Listening on a desktop & can’t see the links? Just search for Leaders in Lending on your favorite podcast player.

Building an Innovative and Member-Centric Credit Union with Fintech Partnerships May 18, 2022

Show notes

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 members—partnering with fintechs.
Charles Krawitz, Senior Vice President, Chief Capital Markets Officer & Head of Commercial Lending at Alliant Credit Union, joins the show to talk about how fintechs enable credit unions to innovate product offerings and better align with the needs of members.
We discuss:
What it means to be an innovator in the credit union space
Building an organization that collaborates with fintechs
New product offering opportunities
Incubating innovative ideas with universities and educational institutions
To hear more from Leaders in Lending, check us out on Apple Podcasts, Spotify, or on our website.
Listening on a desktop & can’t see the links? Just search for Leaders in Lending on your favorite podcast player.

Tapping into the Unsecured Personal Lending and Auto Refinance Opportunities May 11, 2022

Show notes

There are two lending spaces that tend to be underappreciated by many financial institutions: unsecured consumer lending and auto refinancing.
Jay Fee, Vice President of Consumer Banking at PenFed Credit Union, has considerable experience with both. He joins the show to discuss the mechanics of unsecured consumer lending and auto refinancing, and why financial institutions should make the most of these opportunities.
We discuss:
The history of the unsecured consumer lending and auto refi space
How lenders and fintechs can create symbiotic relationships
Why auto refi is an excellent untapped opportunity
How fintechs can help lenders seize the opportunity
To hear more from Leaders in Lending, check us out on Apple Podcasts, Spotify, or on our website.
Listening on a desktop & can’t see the links? Just search for Leaders in Lending on your favorite podcast player.

A Macro View of the Big Trends in Banking in 2022 May 04, 2022

Show notes

As the CEO & Co-Founder of Sandbox Banking, a company that connects financial institutions with fintechs, Ravi Balasubramanian has an excellent vantage point for all the innovation happening in the banking industry.
In this episode, he shares the big trends he sees, his advice for banks making strides into digitization and his bold prediction for the future of cryptocurrency.
We discuss:
How to gain the capacity for faster organizational decision making
The benefits of having different systems in Web3
Rising innovation in banking as a service
Common missteps in banking digitization
To hear more from Leaders in Lending, check us out on Apple Podcasts, Spotify, or on our website.
Listening on a desktop & can’t see the links? Just search for Leaders in Lending on your favorite podcast player.

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