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Playing 3D Chess - Challenges with Attributes, Analytics and Scores

This session dives into the complex world of cash flow data, analytics, and risk management. Moderated by Sarah Davies, the panel brings together experts from the risk and financial sectors to discuss the use of advanced data tools for credit underwriting and risk analysis. Brian Hughes, Ash Gupta, and Vishal Saxena discuss how to create a strategy that integrates new analytical tools while ensuring regulatory compliance and maintaining customer trust.

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Key takeaways

  • Combining Cash Flow Data and Credit Bureaus for Stronger Insights: The future of risk management lies in using both cash flow data and credit bureau scores. By integrating both, financial institutions can create more inclusive and accurate credit models. He warns against relying solely on one data set and encourages organizations to combine these tools intelligently.
  • Leading Change with Data-Driven Decision Making: Bringing cash flow data into an organization is a leadership challenge. It is important to start small, such as with pilot programs, and making the business case with clear customer and financial benefits. Collaboration across departments is key to manage data privacy, compliance, and customer communication effectively.
  • Gradual Implementation and Regulatory Alignment: Companies should begin with small, incremental changes when deploying new data analytics tools. Meaning providing the value of these tools through pilot programs before scaling up. Additionally regulators should be involved early in the process to ensure that the tools meet legal and compliance standards from the outset.
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Watch all of the Sessions from Cash Flow Underwriting Summit
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Watch all of the Sessions from Cash Flow Underwriting Summit
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Solutions to help you scale faster

Cash Atlas™

Lift your Underwriting with Granular Cash Flow Data

Get a leg up over traditional credit data to make more informed decisions on no file, thin file, and even thick file consumers. Cash Atlas™ analyzes bank transaction data to provide you with FCRA-compliant attributes, reports, and scores to build a complete risk profile to assess consumer affordability and ability to pay. Check out Cash Atlas™ solution.
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