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.

• Corporate Finance Explained | When Bitcoin Hits The Balance SheetFinPod · on Banking80 / 100
• Sapna Shah, of Sie ventures, joins Guy to discuss being a strategic partner to a founder and CFOs and seed investingCFO Insights · on fintech78 / 100
• The Trust Advantage with Andie Hill, Payroc | Episode 528Leaders In Payments · on fintech73 / 100
• A Conversation with Senator Kay Bailey HutchisonTXOGA Talks · on industry71 / 100
• How Ramp Rebuilt Corporate Cards for the AI EraStartup Stories with Fexingo · on fintech

• Mastercard's Marc Pettican on the road to a $17.4 trillion virtual card market78 / 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