Why Better Predictions Beat Bigger Risk

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.