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Breakout A: TU: Optimizing Prescriptive Credit Score Improvements via Counterfactual Models

11:30 AM - Tuesday, September 15
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A significant opportunity in lending lies just below the approval threshold—among applicants who are declined not for lack of creditworthiness, but for being marginally outside policy cutoffs. This session introduces a new, data-driven approach using counterfactual models to identify the precise, achievable changes consumers can make to shift from decline to approval. Learn how lenders can move beyond generic decline messaging to deliver actionable, personalized guidance, improve customer experience, and unlock incremental growth without fundamentally loosening risk thresholds. This session shows how prescriptive analytics can bridge the gap between risk management and opportunity expansion. Attendees will walk away with a clear understanding of how counterfactual insights can be embedded into underwriting workflows to safely expand approvals, deepen customer relationships, and drive measurable portfolio impact.

The machine learning session presented by Capital One was impressive with a detailed case study on in-sourcing digital marketing.

~ Conference Attendee

The CSRSA conference is an opportunity to hear about what other companies are working on, challenges facing the industry, and provides ample time to network with peers.

~ Conference Attendee

I enjoyed the conference and found the material to be very engaging and informative, especially for someone new to the industry. My favourite sessions were the Economic Update, the impact on recent real estate policy changes, and using advanced analytics to generate alternative deal structures in auto lending.

~ Conference Attendee

The Conference is very well organized with a good mix of industry knowledge sharing and networking opportunities. The Economics Update session presented by Craig Alexander from Conference Board of Canada was amazing and it's probably the best Economics Update I've ever heard.

~ Conference Attendee

The CSRSA conference is one of the most relevant training opportunities for members of our team. The annual conference that is held in Southern Ontario attracts people from around the globe for 2 days of breakout and general sessions presented by industry members and sponsors of the organization.

~ Conference Attendee

Very well organized conference with a good mix of fun activities and an informative line up of speakers. There were ample opportunities to network, and I got good insights on trends in the industry.

~ Conference Attendee

The conference impressed me with its friendly digital capability to have all the session schedules, session brief introductions and speakers bios in one place through the mobile app.

~ Conference Attendee

The collaborative nature of the CSRSA makes this event one of the open and honest forums around as its members are committed to the advancement of the industry through knowledge sharing and collaboration.

~ Conference Attendee

An inspiring session I found was Understanding Dynamics in the Payment Hierarchy, talking about which debt obligation would be paid by consumers first when they faced financial difficulties.

~ Conference Attendee