Lenders are operating in a new economic normal, where traditional risk
assumptions no longer hold, and consumer credit behaviors are shifting in
unprecedented ways. Unprecedented student loan delinquencies, inflationary
pressures, and stubbornly high interest rates are reshaping borrower risk
profiles, making it more challenging than ever to predict origination and
portfolio performance. Join Dr. Rikard Bandebo, VantageScore’s EVP, Chief
Economist, and Chief Strategy Officer, as he unpacks the macroeconomic forces
defining this new era and how they are impacting credit scores, lending
decisions, and credit risk management. With the resurgence of repayment
challenges and evolving consumer spending patterns, understanding these trends
is essential for lenders aiming to protect profitability and maintain a
competitive edge.
In this transformed landscape, innovation in credit scoring and risk modeling
is no longer optional—it’s essential. Dr. Andrada Pacheco, VantageScore’s EVP
and Chief Data Scientist, will reveal cutting-edge advancements in credit
analytics that help lenders anticipate shifts in borrower behavior and stay
ahead of emerging risks. From enhanced use of trended credit data to new
approaches in risk segmentation, this session will equip financial institutions
with the tools needed to thrive in an era of uncertainty. As market volatility
continues, lenders who embrace forward-looking insights and next-gen risk
assessment will lead the industry—those who don’t risk being left behind. Don’t
miss this opportunity to gain a competitive advantage and redefine your
approach to credit risk at CBA LIVE.