Leaders in Lending

Leaders in Lending
  • 5.0 (62)
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  • Updated Weekly

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 consumer lending.  The views, thoughts, and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the official policy or position of Upstart. Any content provided by the hosts or guests is for informational purposes only and is based on their own experiences and perspectives.

  1. Aug 13

    The Future of Home Equity Is Frictionless

    How are leading banks and fintechs evolving to meet the needs of today’s homeowners? In this episode of Leaders in Lending, we sit down with Sam Garcia (CEO of HELN News), Ivan Ahmed (Senior Director at Experian), and Andy Walden (Head of Mortgage and Housing Market Research at ICE) to explore why the future of HELOCs depends on reducing friction and leveraging data. In this video, we discuss: The Rise of the "HELOC Credit Card": How digital-first lenders are reimagining home equity as a frictionless, transactional experience. The Equity Plateau: Why record-high home equity levels are flattening and what that means for future lending growth. Targeting the Next Generation: How to use data to reach younger, digitally-native borrowers who are increasingly opting for HELOCs. Regulatory Shifts: A look at the Home Buyers Privacy Protection Act and its impact on trigger leads and consumer relationships. Macro Trends: Why efficiency, automation, and credit availability are the top priorities for competitive financial institutions. Whether you're a community bank, credit union, or fintech leader, this conversation provides actionable insights into how to navigate the "bifurcated" housing market and better serve your customers. Connect with Upstart: https://www.leadersinlending.ai/ #HomeEquity #HELOC #Fintech #BankingInnovation #LeadersInLending #MortgageIndustry #Upstart

    The Future of Home Equity Is Frictionless

  2. Jul 22

    Why Better Predictions Beat Bigger Risk

    What if the biggest advantage in lending isn't taking less risk, but making better predictions? In this episode of Leaders in Lending, host Barry Roach sits down with Sanjay Dutta, President and Chief Capital Officer at Upstart, to discuss how AI-powered prediction models are reshaping lending, why capital matters more than ever, and what today's economic environment means for financial institutions. They discuss: Why Sanjay left Google to help build UpstartWhy lending is fundamentally a prediction problemHow AI is improving credit decisionsThe evolving role of capital marketsWhat current economic conditions mean for lendersWhere consumer lending is headed over the next five yearsWhether you're leading a bank, credit union, or fintech, this conversation offers practical insights into the future of lending. Subscribe for more conversations with the leaders shaping financial services.

    Why Better Predictions Beat Bigger Risk

  3. Jul 8

    Why a 5% Retention Lift Could Mean 90% More Profit

    Most banks still treat community banking as a regulatory box to check. Queanne Smith, SVP and Group Strategy Manager at U.S. Bank, says that mindset caps growth instead of driving it, and breaks down how a 5% lift in client retention can swing profit by 25 to 90 percent. In this episode: - Community banking as growth infrastructure, not a side initiative - Getting embedded early in the customer lifecycle, pre-loan and pre-deposit - Why CRA requirements should be the floor, not the ceiling - Building trust and client readiness before the sale - Shared KPIs and cross-team accountability - Where institutions struggle most with this strategy - Balancing short term performance pressure with long term investment - The biggest misconception about community banking If you lead growth, strategy, or community lending at a bank or credit union, this conversation will change how you think about the ROI of community investment. Leaders in Lending is powered by Upstart and features conversations with banking and credit union leaders navigating the future of consumer lending. Chapters: 00:00 What community banking actually means for growth 00:29 Getting in early, before the loan and before the deposit 01:25 Turning trust into measurable outcomes 02:20 Building client readiness and stability from day one 03:14 Stop treating this as a compliance checkbox 04:07 CRA is the floor, not the ceiling 04:34 Community investment and community development are the same thing 05:27 Build the strategy with community, not for community 06:10 Shared KPIs, shared accountability 07:12 Where most institutions get this wrong 08:01 What the customer journey looks like when it's done right 08:20 Short term pressure versus long term trust 09:42 The infrastructure question 10:09 Where a leader should actually start 10:45 A 5% retention lift, a 25 to 90% profit swing 12:12 Readiness and trust are the real revenue drivers 12:59 The soft and slow myth 13:49 Intentional partnerships, not just reputation #LendingLeaders #CommunityBanking #BankGrowthStrategy

    Why a 5% Retention Lift Could Mean 90% More Profit

  4. Jun 24

    The Pendulum Is About to Swing Back. Are You Ready?

    The regulations never went away. The exams slowed down, the enforcement pulled back, but every rule is still on the books. And when the pendulum swings back, everything being done right now is going to get looked at. Mike Reynolds from Zions Bancorporation and Aaron Rakowski from WesBanco co-chair the CBA CFPB Committee and have a clear message: this window is not a vacation. It's a chance to catch your documentation up, plug your compliance resources into product development, and stop yo-yoing your staffing every time the administration changes. Recorded at CBA Live 2026, this episode covers: Where CFPB engagement actually stands right now - Why this is the time to shore up your compliance program, not scale it backThe state AG and state regulation patchwork filling the federal gap AI oversight and why you can outsource the work but not the risk - Rules that were written before the technology existed - What a durable compliance program actually looks likeWhy a clear national guideline beats fifty state interpretations What the next iteration of the CFPB might look like If you lead compliance, risk, or operations at a bank or credit union, this is the conversation to have with your team this weekLeaders in Lending is powered by Upstart and features conversations with banking and credit union leaders navigating the future of consumer lending. #LendingLeaders #CFPB2026 #Compliance #CBALive2026

    The Pendulum Is About to Swing Back. Are You Ready?

  5. Jun 10

    Innovation Is Moving Faster Than the System

    Innovation is accelerating across consumer banking. AI, digital assets and new payment models are reshaping the industry. But institutions still operate inside established regulatory frameworks. In this episode, Kyle Glenn of the Consumer Bankers Association joins Lynn Sauter Beale to discuss how banks can stay proactive as technology evolves and policy adapts.  If you lead lending, compliance or strategy, this conversation will help you think through what comes next.

    Innovation Is Moving Faster Than the System

  6. May 27

    Banking Is Commoditized. Experience Is Not.

    The banking product is commoditized. The experience is not. In this episode of Leaders in Lending, guest host Deepak Bhandari sits down with TJ Steele, director of digital channels at Eastern Bank, to discuss how banks can differentiate when rates, accounts and products look the same everywhere. They cover:  • How to turn the mobile phone into a “wingman” for customers • Why AI is just another tool, not a strategy • The importance of data, process and infrastructure below the waterline • How to pilot emerging technology without chasing hype  • Why customer experience beats feature checklists • Real-time payments, digital wallets and fraud resilience • Becoming the customer’s primary bank in a fragmented world If you lead digital, payments or customer experience strategy, this conversation is a blueprint for what actually matters.

    Banking Is Commoditized. Experience Is Not.

  7. May 13

    Auto Lending Just Hit a Wall. Now What?

    Auto affordability isn't a cycle this time. It's a new baseline. In this episode, guest host Deepak Bhandari from Upstart sits down with Eric Earvin from First Commonwealth Bank and Michael Gilbert from Associated Bank, co-chairs of the CBA Auto Finance Committee, to talk about why it's time to stop waiting for costs to come back down and start rethinking how we lend. Insurance up 14% year over year. Debt to income ratios squeezed from every direction. Consumers still buying, but shifting downstream. And at some point the phone rings and they say here's the car. Recorded at CBA Live 2026, this episode covers: Why auto affordability is a permanent headwindHow debt to income ratios are being squeezed from every direction The compounding cost problem, insurance, gas, maintenance Where stress is showing up in early payment defaults and fraudThe AI arms race between lenders and fraudsters Why auto lenders are self-admitted copycats and what that means for innovationAlternative financing threats and reaching the next generationSubprime repossessions hitting all time highs again If you run an auto lending portfolio or sit on a credit committee, this conversation is the reality check heading into the back half of 2026.Leaders in Lending is powered by Upstart and features conversations with banking and credit union leaders navigating the future of consumer lending.

    Auto Lending Just Hit a Wall. Now What?

  8. Apr 29

    Which Rules Are You Actually Following? CFPB Expert on What's Changing

    Banks don't know if they should be running disparate impact analysis or not. The CFPB is rewriting its own rules. State AGs are filling the gaps. And the legal questions around agentic AI haven't even been answered yet. CBA General Counsel David Pommerehn breaks down what's actually happening and what lending leaders should do about it. Recorded at CBA Live 2026 in San Diego, this episode covers: - The CFPB under the current administration - Reg B and the elimination of disparate impact - State AGs stepping in where federal enforcement pulls back - Agentic AI and the legal ramifications under Reg E - Section 1033 and the data portability rewrite - Data sharing versus data security - Fraud and scams as a whole government problem - Why UDAP reform matters more than you think If you are navigating compliance strategy or staffing for the back half of 2026, this conversation matters. Leaders in Lending is powered by Upstart and features conversations with banking and credit union leaders navigating the future of consumer lending. Chapters: 00:00 Top legal and regulatory risks for bank leaders 01:12 How the CFPB has changed under the current administration 03:48 Reg B and the elimination of disparate impact 05:49 State AGs stepping in where the CFPB pulls back 09:54 Agentic AI and the legal questions nobody's answered yet 11:03 Section 1033, data portability, and the rewrite 14:10 Navigating data sharing vs. data security 16:13 What's actually working in fraud prevention 19:04 The regulation assumption David has changed his mind on 20:54 Why UDAP reform matters more than you think #LendingLeaders #CFPB2026 #CBALive2026

    Which Rules Are You Actually Following? CFPB Expert on What's Changing
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Trailer

5
out of 5
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About

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 consumer lending.  The views, thoughts, and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the official policy or position of Upstart. Any content provided by the hosts or guests is for informational purposes only and is based on their own experiences and perspectives.

Information

  • Creator
    Leaders in Lending
  • Years Active
    2021 - 2026
  • Episodes
    197
  • Rating
    Clean
  • Copyright
    © 452502
  • Show Website
    Leaders in Lending

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