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Leaders in Lending

Leaders in Lending

Written by: Leaders in Lending
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Leaders In Lending is a show for lending professionals who want to grow their consumer lending programs and improve their consumer experiences. Consumers continue to expect faster, easier online experiences from every company—and our knowledgeable guests will share how they are bringing their organizations and lending products forward into the future.
Every week, Leaders In Lending will bring you actionable advice and key learnings from experienced leaders to help you navigate the future of consumer lending.

The views, thoughts, and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the official policy or position of Upstart. Any content provided by the hosts or guests is for informational purposes only and is based on their own experiences and perspectives.452502 Economics
Episodes
  • Innovation Is Moving Faster Than the System

    Innovation Is Moving Faster Than the System
    Jun 10 2026
    Innovation is accelerating across consumer banking.

    AI, digital assets and new payment models are reshaping the industry. But institutions still operate inside established regulatory frameworks.

    In this episode, Kyle Glenn of the Consumer Bankers Association joins Lynn Sauter Beale to discuss how banks can stay proactive as technology evolves and policy adapts.

    If you lead lending, compliance or strategy, this conversation will help you think through what comes next.
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    12 mins
  • Banking Is Commoditized. Experience Is Not.

    Banking Is Commoditized. Experience Is Not.
    May 27 2026
    The banking product is commoditized. The experience is not.

    In this episode of Leaders in Lending, guest host Deepak Bhandari sits down with TJ Steele, director of digital channels at Eastern Bank, to discuss how banks can differentiate when rates, accounts and products look the same everywhere.

    They cover:
    • How to turn the mobile phone into a “wingman” for customers
    • Why AI is just another tool, not a strategy
    • The importance of data, process and infrastructure below the waterline
    • How to pilot emerging technology without chasing hype
    • Why customer experience beats feature checklists
    • Real-time payments, digital wallets and fraud resilience
    • Becoming the customer’s primary bank in a fragmented world If you lead digital, payments or customer experience strategy, this conversation is a blueprint for what actually matters.
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    15 mins
  • Auto Lending Just Hit a Wall. Now What?

    Auto Lending Just Hit a Wall. Now What?
    May 13 2026
    Auto affordability isn't a cycle this time. It's a new baseline.

    In this episode, guest host Deepak Bhandari from Upstart sits down with Eric Earvin from First Commonwealth Bank and Michael Gilbert from Associated Bank, co-chairs of the CBA Auto Finance Committee, to talk about why it's time to stop waiting for costs to come back down and start rethinking how we lend.

    Insurance up 14% year over year. Debt to income ratios squeezed from every direction. Consumers still buying, but shifting downstream.

    And at some point the phone rings and they say here's the car.

    Recorded at CBA Live 2026, this episode covers:
    • Why auto affordability is a permanent headwind
    • How debt to income ratios are being squeezed from every direction
    • The compounding cost problem, insurance, gas, maintenance
    • Where stress is showing up in early payment defaults and fraud
    • The AI arms race between lenders and fraudsters
    • Why auto lenders are self-admitted copycats and what that means for innovation
    • Alternative financing threats and reaching the next generation
    • Subprime repossessions hitting all time highs again If you run an auto lending portfolio or sit on a credit committee, this conversation is the reality check heading into the back half of 2026.
    Leaders in Lending is powered by Upstart and features conversations with banking and credit union leaders navigating the future of consumer lending.
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    21 mins
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