Leaders in Lending

Latest Episodes:

From Cultural to Digital Transformation: Aligning Incentives and Exploring New Products Feb 15, 2022

Show notes

For a long time, banks didn't fully understand the value fintechs provide.
As partnerships with fintechs have grown, banks are experiencing that value firsthand, and they've also discovered an economic model that is a win-win for both.
In this episode, Matt Deines, President & CEO at First Fed, shares how he vets potential partners and how he ensures that the economics are aligned so that everyone can benefit.
We discuss:
-Why digital transformation starts with mindset
-First Fed’s fintech partnership journey
-How to align financial incentives in a bank-fintech partnership
-Ways to better target customers across the credit spectrum
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.

Digital Transformation and the Community Reinvestment Act: Partnering with Fintechs to Serve LMI Communities Feb 08, 2022

Show notes

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 place in banking over the last 10 years, how can FIs can partner with fintechs to best serve their communities. ?
In this episode, Nathalia Artus, SVP, Director of Community Development and Reinvestment & CRA Officer at Atlantic Union Bank, discusses how her bank approaches CRA and how strategic partnerships will play a part in community development in the future.
We discuss:
- How the digital transformation affected the customers CRA serves
- Partnering with fintechs to extend credit to borrowers
- How each bank approaches CRA differently
- Ways to measure impact on the community and successfully track data
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.

BNPL, eCommerce, and Crypto: Leading Trends Driving Consumer Preferences Feb 01, 2022

Show notes

Customer needs are changing, and along with them, borrowing behaviors.
How does this impact consumer lending and banking?
Rich Longo, Investor and Growth Advisor at Nxtsoft, joins the show to share his insights into the trends that are reshaping the financial landscape.
We discuss:
- Where younger generations are getting financial advice
- How Buy Now Pay Later (BNPL) and eCommerce are changing the landscape
- Crypto initiatives poised to upend traditional practices
- How traditional institutions should adapt to these trends
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.

How Blockchain, Crypto Assets, DeFi and NFTs are Transforming Financial Services Jan 25, 2022

Show notes

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 trust falls on smart contracts and on code.
According to today’s guest, Ryan Berkun, Founder & CEO at Teller Finance, financial institutions are going to dive into DeFi in a big way over the next 12 months.
Do you need a primer on all things DeFi, crypto, and NFT? Listen in.
We discuss:
- How lending on the blockchain has evolved
- Lending challenges around identity and privacy
- The emergence of NFTs and DAOs
- How to gain an understanding through hands-on experience
Mentioned during the podcast:
- Chainlink
- Coinbase
- MetaMask
- Aave
- Arbitrum
- Polygon
- OpenSea
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.

Back to Basics: AI Lending 101 Jan 18, 2022

Show notes

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 back to the basics.
Host Jeff Keltner, Senior Vice President of Business Development at Upstart, explains the key components of AI, the use cases in lending environments, and some common challenges with machine learning and AI.
Topics covered:
- Four fundamental components of AI
- Use cases in lending
- Common challenges
- The hard work and dedication needed to get it right
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.

Safe is Risky: How Lenders Can Embrace Continuous Innovation Jan 11, 2022

Show notes

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, Consumer Bank Chief Credit Officer at KeyBank, joins the show to share the secrets behind moving fast (without breaking things) and maintaining an edge in a highly regulated and increasingly competitive landscape.
Join us as we discuss:
- The 3 rules of job satisfaction
- Why staying safe is risky
- "The importance of a robust technology infrastructure"
- The threat and opportunity with open banking
- "Predictions for the 2022 macroeconomic environment"
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.

Leveling the Playing Field: How Community Banks Can Use AI to Achieve Personalized and Socially-Responsible Lending Jan 05, 2022

Show notes

Financial institutions, particularly community banks, are experiencing a paradigm shift in the architecture of banking.
While the idea of stitching together the banking experience has always been present, we’re finally seeing a truly connected ecosystem due in part to the technological acceleration that’s taken place in the past 3 to 5 years.
In this episode, Nitin Mhatre, CEO of Berkshire Bank, discusses the importance of combining automation with personalization and how community banks can go beyond the baseline expectations to facilitate more environmentally and socially-responsible lending.
We discuss:
- Combining digital and human touchpoints
- The importance of a connected front, middle and back-office
- Improving financial literacy
- How to measure environmental and social responsibility
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.

2021 Wrap Up: The Top Bold Predictions in Lending & What’s Ahead in the New Year Dec 21, 2021

Show notes

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 conversations we’ve had on Leaders in Lending, we’ve gained some invaluable insights.
In this special recap episode, Jeff Keltner, Senior Vice President Business Development at Upstart, takes the time to discuss the show's biggest themes and some takeaways for the audience.
We discuss:
Recurring themes gathered from guests & digitization
The best career & consumer lending advice & bold predictions for the future
What to look forward to next year
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.

How Alternative Credit Data is Driving Financial Inclusion w/ Greg Wright Dec 14, 2021

Show notes

Only 82% of the US population can be scored using conventional credit scores. That unscorable 18% is overwhelmingly comprised of marginalized communities—and that extreme disparity is unacceptable in this day and age.
However, things are changing. Alternative data sources are opening the door for lenders to offer credit products to marginalized communities in ways that do not create more risk. Lenders have tools at their disposal to drive financial inclusion today—not to mention boost ROI.
In this episode, Greg Wright, EVP and Chief Product Officer at Experian, shares some of the approaches for broadening the scorable population while increasing lender accuracy.
We discuss:
- How new products are driving improvements in credit scorability
- The consumer permission model in credit data
- The regulatory landscape around credit data sources
- Better scoring models built with AI and ML
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 & Alternative Data: Having a Clear Idea of Your Ideal Customer w/ Jonathan Gagliano Dec 07, 2021

Show notes

Connecting with new and existing customers for financial institutions has been a challenge to execute. But with so much opportunity, it’s something financial institutions can’t afford to miss out on.
We speak with Jonathan Gagliano, EVP, GM Financial Services at Merkle, Inc., about what he sees, what works, and what to look forward to in regards to customer service.
We discuss:
- The right tech investments to improve the FI customer experience
- Trends in messaging to the top-of-funnel-customer
- The strategic way to measure success
- Optimizing the customer experience journey
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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