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Breakout 2: Equifax: Commercial Credit: Leveraging AI to Decode SBB Growth Profile

10:45 AM - Monday, September 14
Anishnaabe A

For many small business owners, increasing debt isn't a red flag—it’s a signal of healthy growth. Yet, traditional models often misinterpret this high utilization as risk, over-penalizing entrepreneurs at the high end of the credit spectrum. Equifax research reveals that business owners carry more than double the balances of average consumers, necessitating a fundamental shift in adjudication. This session explores a new AI-driven Principal Business Owner (PBO) score that segments entrepreneurs from general consumers.

Speakers

Gianluigi Duiella

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Gianluigi Duiella
Head of Scoring & Modelling, Equifax

Gianluigi is a Data Science and Analytics leader with over 20 years of domestic and international experience in Retail and SMB lending. Leveraging ML/AI methods, he is known for discovering new insights and driving innovation into lending decisions that lead to incremental bottom line results.

Josh Farrington

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Josh Farrington
Commercial Financial Institution Consultant, Equifax

Joshua has over 14 years of experience working with commercial and personal credit supporting multiple industries and lines of business. In his current role at Equifax, he is focused on educating lenders on leveraging new commercial credit data sources for risk mitigation and client acquisition. He also works with integrating technologies, like Business Gateway, for credit process automation and building robust risk scorecards and strategies.