Why Better Predictions Beat Bigger Risk

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Why Better Predictions Beat Bigger Risk

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What if the biggest advantage in lending isn't taking less risk, but making better predictions? In this episode of Leaders in Lending, host Barry Roach sits down with Sanjay Dutta, President and Chief Capital Officer at Upstart, to discuss how AI-powered prediction models are reshaping lending, why capital matters more than ever, and what today's economic environment means for financial institutions. They discuss:

Why Sanjay left Google to help build Upstart
Why lending is fundamentally a prediction problem
How AI is improving credit decisions
The evolving role of capital markets
What current economic conditions mean for lenders
Where consumer lending is headed over the next five years

Whether you're leading a bank, credit union, or fintech, this conversation offers practical insights into the future of lending. Subscribe for more conversations with the leaders shaping financial services.

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