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Panel Discussion

Worried about ensuing recession? Learn how fair & inclusive AI is helping credit unions & lenders come out stronger


Terry Katzur, CEO of ELGA Credit Union
Zach Tondre, Director of Strategy for Credit Risk at LexisNexis
Greg Strizich, President and CEO of Intrepid Credit Union
Eric Steinhoff, Client Impact at Scienaptic AI

In an effort to support their members, many credit unions have turned to AI for recession-resistant, fair, and inclusive lending strategies. In this webinar, we will dive deep into the specific ways that fair and inclusive AI can be used to assist deserving members and improve credit access safely.

The webinar is designed for credit unions and lending professionals who want to learn about using AI to mitigate recession risks and improve credit access for underserved members. It will showcase examples of lenders who have successfully implemented fair and inclusive AI-powered lending and its positive impact on their members and loan portfolios.

Our discussion will include the following:

  • Benefits of fair and inclusive AI in increasing access to credit for underbanked and marginalized members

  • Strategies for credit unions and lenders to use fair and inclusive AI to mitigate risks

  • Examples of successful implementation of fair and inclusive AI in lending

  • How fair and inclusive AI can help credit unions and lenders weather a recession


Panel Discussion

Recession-Resistant Agile Underwriting Using AI


Daniel Baker, Chief Lending Officer, 4Front Credit Union
Mark Rowan, Chief Technology Officer, Credit Union of Colorado
Nicholas Schmitter, Chief Lending Officer, Advantage One CU
Eric Steinhoff, Client Impact, Scienaptic AI

Nobel-winning economist Paul Samuelson had once quipped that Wall Street had predicted nine out of the last five recessions. While the markets may be touted as cautiously pessimistic, it is evident that we are on the cusp of an economic downturn.

The use of AI in credit decisioning can be a game changer for credit unions looking to support their members, especially in light of recessionary trends. Instead of tightening their belts, credit unions can use AI to tighten their underwriting. Through the use of AI, credit unions can provide members with fast access to credit, customized loan options, and transparent and inclusive credit decisions.

But this transition to AI requires careful planning. We must understand and learn from the experiences of risk leaders so that we can take this evolution to fruition.

In this webinar, we bring you perspectives from seasoned risk leaders on how to make this transition. We will cover the following:

  • Creating a sustainable, recession-resistant lending toolkit

  • AI-enabled fair, transparent lending for enhanced customer relationships

  • Differentiating between credit-worthy members in need vs. high-risk ones

  • Building early warning systems

  • Help realign risk strategies as per the changing economic climate



Reimagining lending for Gen Z using AI


Michael Barnhardt Jr, CLO, Meridian Trust FCU
Kirk Drake, Founder, CU 2.0
Jack Imes, Chief Client Lending Consultant, Allied Solutions
Eric Steinhoff, Client Impact, Scienaptic AI

A recent survey of borrowers across the USA revealed that only 47% of Gen Z respondents in the USA claimed to have an account with a traditional bank, neobank, or Credit Union.

The above stat reflects the emerging disconnect between traditional lenders like Banks and Credit Unions, and point to the generational differences in banking habits and banking expectations. With Gen Z and millennials set to become the most important consumer groups in the next 10 years, lenders need to take into account the fact that new age borrowers have expectations of personalized recommendations, instant decisioning speed, and an easy application process.

The answer to these expectations boils down to two words: Artificial Intelligence.

The way we lend is evolving so quickly that those lenders that try to understand the lending landscape better, and go beyond normal data sources and lending models to gain a deeper insight of who they are lending to, are the ones who are able to grow sustainably. Leveraging and consolidating multiple sources of seemingly unstructured data into actionable credit decisions that help lend to more deserving borrowers and personalize offers in line with modern day expectations is what AI strives to achieve.

In this webinar, we will be deconstructing the expectations of the new generation of borrowers, and how traditional lending methods may fall short in fulfilling these expectations. We’ll showcase how AI has had on transforming lending infrastructure for traditional lenders, and elucidate the impact of AI-enabled lending through real-life examples by lending leaders and AI lending practitioners.

Points to be Covered

  • The evolving lender demographic: Advent of Gen Z

  • Expectations from the modern lender: Personalization, Instant Service, and much more

  • What’s taking so much time? The bottlenecks in the current lending ecosystem

  • Looking at lending from the AI lens:

  • A blow by blow comparison with current lending methods

  • Solving the personalization expectation with richer data

  • Solving the Instant service expectation with self learning custom models

  • Beyond expectations: How AI is changing the growth story for traditional lenders

  • Measuring the impact of AI for modern lending with real stories



Fair Lending: Using AI to democratize compliance


John Witterschein, Head of Consumer Credit, Bethpage FCU
Kevin King, VP Credit Risk and Marketing Strategy, LexisNexis Risk Solutions
Eric Steinhoff, Client Impact, Scienaptic AI
Vinay Bhaskar, AI Innovation & Data Science, Scienaptic AI

The conversation around fair lending has gained traction in the background of resurgent campaigns for an end to racial and gender bias in recent times. Fair lending in its truest sense requires lenders to adopt the least discriminatory alternatives when it comes to processing or decisioning a loan application. 

AI models hold great promise for identifying and enabling traditionally underserved groups.

Through them, we can minimize subjectivity and bias, generate more consistent outcomes, increase efficiency, and make better decisions. Algorithmic and AI-based systems, when properly conceived and managed, can expand opportunities. 

That said, transitioning to AI-based algorithms requires the right regulatory lens and framework. An Advisory from the Consumer Financial Protection Bureau on digital redlining and its impact on fair lending practices highlights the urgent need for the right regulatory framework.

This webinar will attempt to address the questions around the usage of AI to enable fair lending, elucidate how explainable AI supplemented by the right safeguards will serve to supplement compliance guidelines around AI in lending, and get insights from the impactful stories of practicing lenders who have implemented AI in their lending processes.

We will also be attempting to answer questions on fair lending testing and disparate impact analysis done by Scienaptic, demonstrate how Scienaptic is making an impact on fair lending practices, and discuss in detail the recent advisory by CFPB on AI usage in lending, and how it does more good than harm for the AI lending landscape. 


Panel Discussion

Customer experience is everything: Get it right for your lending process using AI


Bradford Primavera, Chief Product Officer, Rocket Financial
Wesley Hawk, VP Finance & Credit Operations, The Fundworks LLC
Brian Caird, Senior Underwriter, Northern Credit Union
Seth Pfendler, Consumer Underwriter, Northern Credit Union
Eric Steinhoff, Client Impact, Scienaptic AI

From a simple google search to amazon recommendations to Netflix browsing to Uber rides - AI is already embedded in our lives and shaping our experiences. However, AI in lending is still far from becoming mainstream. Credit experience and availability for borrowers did not significantly improve despite advances in technology and data availability.

This is where AI offers exciting opportunities. Providing customers/ members with the right credit products, approving more members, and providing guidance as they move through their financial lives - from buying cars to saving and investing - lines up perfectly with any lender's mission.

These AI-enabled opportunities will help lenders enhance customer lives, build stronger relationships with their customers and capture a greater share of wallet for their financial products.

The webinar features insights from early adopters and visionaries who are powering their lending processes with AI to say more ‘yes’ to customers and create unique experiences for them.

Highly seasoned risk leaders will share their personal stories on how they are using AI to reduce friction, eliminate costs, and mitigate lending risks. More importantly, they will share recipes on preparing for growth.

Key takeaways: 

  • Demystifying AI in credit through real experience sharing

  • Roadmap to safely increasing approvals and automation

  • How to improve the borrower experience



AI for lending and beyond: New use cases, trends and adoption roadmap


John San Filippo, Co-Founder Finopotamus
Kirk Drake, Founder CU 2.0 • Board member NACUSO
Daniel Estal, VP of Lending Northern CU
Michael Mehling, VP of Lending Heritage Financial CU
Solomon Semere, Senior Director LexisNexis
Eric Steinhoff, Client Impact Scienaptic AI
Kathryn Bonesteel, VP of Partnerships Scienaptic AI

Hundreds of credit unions and auto lenders are adopting AI for lending. The value proposition is clear - AI allows superior loan decisions enabling more approvals and affordable credit. 

But there is an equally compelling case to use AI-powered intelligence at every touchpoint of a member's journey and drive better outcomes for them. As the world becomes increasingly digital, members expect personalized experiences throughout the engagement lifecycle.

The panel features insights from early adopters and visionaries who are implementing AI on  a broad range of use cases, including:

  • Membership expansion

  • Preapprovals

  • BNPL offers

  • Collections & servicing



Bringing AI to Credit Unions


Eric Steinhoff, EVP Client Impact, Scienaptic AI
Kathryn Bonesteel, VP of Partnerships, Scienaptic AI
Floyd Rummel III, Chief Executive Officer, Northern Hills FCU
Alicia Carlson, Credit Systems - Consumer Lending at Gesa CU
Daniel Estal, VP of Lending, Northern Credit Union
Mark Rowan, Chief Technology Officer, Credit Union of Colorado

The strategic planning season presents an opportunity for all credit unions to identify and incorporate new imperatives that can help mitigate risks and streamline critical processes. Through this leadership webinar we aim to offer insider tips on why AI-based credit decisioning should be a part of strategic planning for all credit unions.

AI has opened up a plethora of possibilities to gain a competitive edge, streamline organizational transformation and  put large volumes of underutilized member data to create meaningful and personalized experiences for members.  The current use of AI in credit decisions and lifecycle management makes it imperative to prepare a comprehensive AI Roadmap to enhance member experience. In the post vaccine world, AI based decisioning can leverage growth opportunities by improving access to credit while helping underserved members get back on their feet.

Viewers of this webinar will get insights into:

  • Re-aligning organizational goals with an AI framework at its core

  • Detailed facets of building an AI framework for your organization

  • Structuring data and internal resources and aligning them into an AI based credit decisioning model

  • Role of the Executives in driving AI culture 


Panel discussion

Enhancing lives using AI: A roadmap from early adopters


Kevin Willborn, VP of Consumer Lending, Gesa Credit Union
Jim Kasch, CU Expert & Former CEO, DEFCU
Jon Turan, General Sales Manager, MCMC Auto
Eric Steinhoff, Client Impact, Scienaptic AI

A year ago, when most lenders tightened their belts, some tightened their credit strategies. They invested in technologies such as AI to grow relationships with their customers in their hour of need. Their wins from AI lending are compelling - they mobilized opportunities and credit access for thousands while eliminating every bit of friction associated with the process. 

In this panel discussion, we bring to you experiences of these early AI adopters and trend setters. Highly seasoned risk leaders will share their personal stories on how they are using AI to reduce friction, eliminate costs, and mitigate lending risks.  More importantly, they will share recipes on preparing for growth in the post vaccine world. 

Key takeaways:

  • Demystifying AI in credit through real experience sharing 

  • Roadmap to safely increasing approvals and automation

  • How to improve borrower experience



AI for credit decisions: A CRO perspective on accelerating growth and improving borrower experience


Pankaj Kulshreshtha, Scienaptic AI CEO
Jim Kasch, CU expert & Former CEO, DEFCU
Eric Steinhoff, EVP Client Impact

In the post-vaccine world, lenders are looking for opportunities to accelerate growth. Borrowers on the other hand expect instant and more personalized decisions.

There’s a massive opportunity to use AI-powered credit decisions and increase approval rates, deliver personalized decisions in milliseconds, and price loans more accurately.

Why? Because it is simply better.

Key takeaways:

  • Demystifying AI in credit, and what it means

  • Roadmap to safely increasing approvals and automation

  • How will this impact the borrower experience



SMB lending using AI: An opportunity within the chaos


Vinay Bhaskar, GM, Risk Solutions
Kirill Skok, Client Engagement Leader

SMBs have gone through an upheaval in the recent past. Only the "fittest" have survived, yet those who survived are in a critical need to manage change. Financial institutions have an opportunity to partner with SMBs, support their recovery, and position them for growth.

Key Takeaways:

  • Ways in which financial institutions can partner with SMBs to drive their growth

  • Innovations in AI-powered decisioning to help financial institutions assess risk and SMB's revenue potential more holistically

  • Practical applications of how lenders can incorporate existing data into their scorecards

  • Frameworks to improve credit tools and expand lending to SMBs


Fireside Chat

Embedding AI across the loan life cycle - a CEO perspective on accelerating growth and improving customer experience


Manish Jaiswal, CEO & MD, Magma Housing Finance
Pankaj Kulshreshtha, Scienaptic AI CEO

Key Takeaways:

  • Ensuring credit quality as approval volumes return to pre-COVID levels

  • Creating technologically intelligent journeys across loan life cycle to improve lending efficiency

  • Providing the best customer experience using AI



Lending in Unpredictable Times: Best practices to prepare lenders for a post-COVID world


Joydip Gupta, APAC Business Head

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