The Sunday Times’ tech correspondent Danny Fortson brings on Warren Hogarth, founder of Empower, to talk about solving the credit score quandary (3:20), how his struggle to buy a car planted a seed for the company (6:20), tapping in to bank account data (8:05), his first job shoveling poop (13:00), trying his hand at fuel cell technology (14:40), then doing a fintech startup (15:50), joining the legendary venture firm Sequoia Capital (18:00), not investing in Lyft (19:55), launching Empower (21:50), the problem with credit scoring (28:05), learning how fintechs got built at Sequoia (31:10), raising $150 million after staying lean for years (34:10), completely automating credit approval (34:30), keeping an eye on employment amid economic turmoil (36:35), and operating remote-first (39:50).

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