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The Karus Podcast: Driving Data Transformation in Consumer Auto Finance with TransUnion
Rich Francisco is Vice President of Automotive Market Development at TransUnion, a global information and insights company that makes trust possible in the modern economy. As one of the world's premier consumer credit reporting agencies, TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries and provides solutions to over 65,000 clients that help create economic opportunity, great experiences and personal empowerment for hundreds of millions of people.
In this episode, we dive deep into the world of AI and auto finance with a special focus on data analytics and credit worthiness assessment. Join us as Rich and Karus CEO, Aaron Travis, engage in a comprehensive discussion covering the following key topics:
1. Trended Credit Data - Unveiling the significance of trended credit data and its role in the auto finance landscape. Discover why this data is crucial for making informed lending decisions.
2. Pandemic Policy Skewed Data - Explore how lenders are adapting their credit data strategies in response to the unique challenges posed by the pandemic, including the influence of government stimulus programs on credit data and underwriting models.
3. Credit Score Inflation - Delve into the effects of the proliferation of credit score-building apps and websites on the credit bureau industry, and how this phenomenon is reshaping credit assessments.
4. Selection Strategies - Gain insights into the alternative data sources that lenders are increasingly leveraging to enhance their lending decisions. Learn about innovative approaches to data utilization.
5. Looking Ahead - Peer into the future as we discuss the emerging frontiers of data analytics for evaluating creditworthiness. What lies ahead in the evolving landscape of auto finance and AI-driven data analysis?
About Karus: Karus is a leading financial technology company that provides AI-powered risk-based pricing, cash flow forecasting, and data layers for participants in the consumer auto finance value chain.
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By KarusRich Francisco is Vice President of Automotive Market Development at TransUnion, a global information and insights company that makes trust possible in the modern economy. As one of the world's premier consumer credit reporting agencies, TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries and provides solutions to over 65,000 clients that help create economic opportunity, great experiences and personal empowerment for hundreds of millions of people.
In this episode, we dive deep into the world of AI and auto finance with a special focus on data analytics and credit worthiness assessment. Join us as Rich and Karus CEO, Aaron Travis, engage in a comprehensive discussion covering the following key topics:
1. Trended Credit Data - Unveiling the significance of trended credit data and its role in the auto finance landscape. Discover why this data is crucial for making informed lending decisions.
2. Pandemic Policy Skewed Data - Explore how lenders are adapting their credit data strategies in response to the unique challenges posed by the pandemic, including the influence of government stimulus programs on credit data and underwriting models.
3. Credit Score Inflation - Delve into the effects of the proliferation of credit score-building apps and websites on the credit bureau industry, and how this phenomenon is reshaping credit assessments.
4. Selection Strategies - Gain insights into the alternative data sources that lenders are increasingly leveraging to enhance their lending decisions. Learn about innovative approaches to data utilization.
5. Looking Ahead - Peer into the future as we discuss the emerging frontiers of data analytics for evaluating creditworthiness. What lies ahead in the evolving landscape of auto finance and AI-driven data analysis?
About Karus: Karus is a leading financial technology company that provides AI-powered risk-based pricing, cash flow forecasting, and data layers for participants in the consumer auto finance value chain.