22 Minutes in Lending · 2025-09-22 · 25 min
From Wall Street to fintech, James Chemplavil has seen both sides of lending. After 16 years underwriting corporate debt at Barings, he launched Salus to tackle a problem too many hardworking people face: being denied small but critical loans. Now as Founder and CEO, James is helping credit unions use alternative data and automation to extend microloans, attract younger members, and cut charge-offs. In this episode of 22 Minutes in Lending , James joins host Vince Passione to share the Salus origin story, why credit unions are the ideal partners, and how technology is rewriting the future of microfinance. Key Takeaways 0:44 - James shares the personal story that pushed him from underwriting billion-dollar debt at Barings to building Salus, designed to fix access to small but critical loans. 02:52 - How collaboration, community focus, and tech gaps made credit unions the perfect proving ground for Salus. 04:21 - James explains why “cash in vs. cash out” is the new king metric, and how traditional scores miss millions of good borrowers. 06:10 - How Salus cuts staff time out of microloan processing, making $500 loans make sense for credit unions.
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