Khrystyna Voloshyn, Data Scientist, Tamarack Technology Scott Nelson, Chief Technology and Chief Product Officer, Tamarack ...

Learn how the Advanced Internal Rating-Based (AIRB) approach helps financial institutions internally assess credit risk using ...

Pagaya partners with lenders to underwrite some of the loans they don't want on their balance sheet. While PGY sells these loans, they keep some on their balance sheet. These loans, held for ...

As a series of compounding pressures challenge lenders heading into the back half of 2025, risk managers are becoming increasingly aware that they’re attempting to meet lending goals using credit data ...

Patterns in consumer credit risk indicate a prominent divide among US based consumers, as some demonstrate “heightened financial resilience,” meanwhile others are now facing growing challenges. These ...

Key insight: Experian combines credit, cashflow, trended, and alternative data into one underwriting score. Expert quote: Experian's Scott Brown suggests the model lets lenders "say yes" more often.

For decades, banks controlled consumer credit. They decided who got approved, at what rate, and on what terms. But in 2025, banks are no longer the first option. Private credit, once a fringe asset ...

FICO has updated its latest credit score models to include buy now, pay later data, showing how important this pandemic-era tool has become in the overall consumer debt market. Processing Content The ...

Santander Consumer USA received more than just an auto-finance applicant’s credit score and risk assessment from FICO. At the FICO World Conference on Wednesday, FICO announced Santander has won a ...

Sezzle has benefitted from strong BNPL market trends, but faces downside risk due to a deteriorating macro environment and increased consumer credit risk. Despite a strong 2024 performance and ...