Breakout A: Payson: NPV-based Decisioning System: How to leverage data, testing, AI, and valuation models to optimize credit policy, pricing, targeting, and collections strategies

11:15 AM - Monday, September 14
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In today’s competitive lending landscape, managing risk is no longer just about minimizing losses—it is about maximizing economic value. We will share a unified framework for shifting from traditional, risk-averse credit policies to an intelligent, Net Present Value (NPV)-based decisioning system. Attendees will explore how to break down operational silos by integrating alternative data, machine learning, and advanced valuation models across the entire customer lifecycle.

Speakers

Brent Reynolds

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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.