Meet the AI lending officer: How algorithms are taking over credit decisions

Episode notes

The traditional lending officer is facing their biggest disruption in decades. Gen AI is oozing into financial services quickly and deeply enough that it's already impacting how we evaluate credit risk and make lending decisions. This tension between human judgment and algorithmic precision is the latest focus in our ongoing AI series exploring how artificial intelligence is transforming financial services. Joining us are Jonathan Kolozsvary, Global Head of Small Business at Visa, who brings insights on how transaction data can unlock lending opportunities that traditional credit models miss. And Patrick Reily, co-founder of Uplinq and Malcolm Baldrige Award recipient, whose AI predictive models are already being used by the Federal Reserve. Together, they tackle a critical question: Are we witnessing the evolution of the lending officer, or are we approaching a future where algorithms handle what humans have done for generations? The answer will shape the future of lending and the broader relationship between technology and trust in financial services.

Related episodes across the Index

Other episodes covering the same guests and topics, from across The B2B Podcast Index.

• Why Vienna Could Become Europe’s Next Startup Hub. Markus Raunig | Ep. 005Hospitality x Disruption: HXD212 · on fintech81 / 100
• Jamie Funfinergi, Co-founder & GP of Nazca VCVenture Passport · on fintech81 / 100
• The Future of Data Teams in the AI Era: Insights from Alex Welch, dbt Labs' Head of Data and AnalyticsData Hurdles · on fintech80 / 100
• Episode 46 - from Tashkent to Termsheet with Victor OrlovskyThe GoingVC Podcast · on fintech77 / 100
• Crypto-Powered Commerce Across Africa | A Conversation with Chris MauriceThe Money Movement with Jeremy Allaire · on fintech76 / 100
• The $300 Billion Embedded Finance Revolution: AI, Payments, and Strategic GrowthBanking on Information · on fintech70 / 100

• Trust, stablecoins, and the AI margin squeeze:What McKinsey and QED's fintech report means for banks89 / 100
• How Figure and Method closed the loop on debt consolidation and cut delinquency in half70 / 100
• The bank account is the product: Slash's bet on vertical SMB banking74 / 100
• How Kudos built a consumer data moat on top of credit card rewards72 / 100
• Stablecoin infrastructure is rewiring cross-border payments