Breakout 8: Cash Flow Underwriting Models – a More Holistic View of Ability to Pay (Payson)

Cash flow underwriting is one of the biggest innovations in credit risk management since the introduction of the credit score. By accessing real-time banking data, lenders can get a better view into the financial health of prospective customers, especially those with thin or no credit history. Increasingly more consumer and small business lenders are finding that building ML models and credit decisioning rules that incorporate bank account attributes can improve risk prediction and unlock new growth segments. Join Payson Solutions for an engaging discussion on best practices, use cases, and modeling approaches for cash flow underwriting, both in Canada and across the globe.

Speakers

Brent Reynolds

Brent Reynolds

President, Payson Solutions

Brent is a seasoned problem solver with over 20 years in financial services, spanning credit cards, consumer finance, and insurance. He brings deep expertise across the customer lifecycle—from product and marketing to fraud and loss mitigation. In 2018, Brent founded Payson Solutions to help companies unlock the power of their data. Since then, Payson has supported dozens of global clients, including banks, fintechs, credit unions, and alternative lenders.
Previously, Brent led digital transformation efforts at Capital One Canada, driving record growth through digital marketing, launching an agile software studio in Toronto, and establishing an innovation lab in KW.
Outside of work, Brent enjoys board games with his daughters, Payton and Addison.

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