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Within the shopper lending house, fintech lenders have been utilizing AI of their underwriting fashions for a few years. However there are nonetheless many shoppers who slip by the cracks and get declined for credit score when they need to have been authorised.
My subsequent visitor on the Fintech One-on-One podcast is Gal Krubiner, the CEO and Co-Founding father of Pagaya. They work with numerous each conventional and fintech lenders and apply their refined modeling to seek out shoppers who’ve been mispriced. Their two-sided market then works with buyers to fund these shopper loans.
On this podcast you’ll be taught:
- The founding story of Pagaya.
- Why they determined to concentrate on shopper credit score.
- How they’re partnering with each fintech and conventional lenders right this moment.
- Who they’re working with on the investor aspect of {the marketplace}.
- The sorts of knowledge they’re utilizing of their underwriting.
- How their underwriting fashions have developed over time.
- How investor demand for his or her ABS offers is trending.
- How the US shopper is holding up relating to mortgage repayments.
- Developments in credit score availability for shoppers.
- Why the dearth of credit score availability is an effective factor for Pagaya.
- The impression of rising rates of interest on shopper credit score.
- Why all the eye that AI is getting helps Pagaya.
- What occurred once they invited ChatGPT to their earnings name.
- How being a public firm has modified Pagaya.
- How he is considering the macro surroundings in 2024.
Learn a transcript of our dialog under.
