Welcome to the Tearsheet Podcast. I’m Zack Miller.

Artificial intelligence in finance has long been overhyped, but AI is making an impact in lending decisions. Online lender Upstart exemplifies how the set of technologies can expand lenders’ inclusiveness without necessarily taking on any more risk.

Paul Gu, a co-founder at Upstart, joins us on the podcast to talk about his firm’s new AI-powered credit decisioning API that’s letting banks and other lenders deliver instant credit decisions for auto, personal, and student loans. We discuss Upstart’s performance during COVID as well.

Paul Gu is my guest today on the Tearsheet Podcast