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Salon A/B: Cash Flow Underwriting Models – a More Holistic View of Ability to Pay (Payson Solutions)

03:20 PM - Thursday, October 09
Salon A/B

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 passionate problem solver with 25+ years of experience in the financial services industry, including credit cards, consumer finance, and insurance. He has deep expertise across the entire customer lifecycle, spanning product, marketing, credit, customer experience, fraud, and loss mitigation.

Brent founded Payson Solutions in 2018 to provide strategic, data-driven solutions to companies looking to transform their business. Since then, Payson has helped dozens of companies across the globe realize the power of their own data, with a diverse client base that includes top-tier banks, credit unions, fintechs at both start-up and growth stage, collection agencies, and alternative lenders.

Prior to Payson, Brent spent the majority of his career at Capital One Canada, where he held roles such as Chief Credit Officer, Head of Branded Card, and Chief Customer Experience Officer. As a proponent of Financial Literacy in Canada, he has made numerous television appearances on BNN, CTV, and City TV to promote credit education and fraud prevention.