Virtual Fireside Chat

Consumer Lending:
Using AI to Drive Better Outcomes and Financial Inclusion

November 26 - 2 p.m. UTC+1

In recent years, the cost of living across Europe has increased tremendously, driving the demand for loans as well as delinquency rates and the corresponding tightening of consumer credit standards.

To learn more about the current obstacles lenders are facing when pricing and underwriting consumer loans, as well as their planned technological investments, Earnix commissioned a nationwide survey of 350 UK decision-makers in the consumer lending space, conducted by an independent company and member of the British Polling Council.

Join our virtual fireside chat, to get a deeper dive into the survey results and investigate technological developments made possible by Artificial intelligence in the areas of loan pricing and personalisation, credit risk decisioning, and improving credit access and affordability for consumers.

Our expert panel will discuss:

  • Assessing affordability and addressing increased credit risk

  • Credit decisioning transparency, Consumer Duty requirements and regulatory compliance in consumer lending

  • Loan personalisation: providing better service for overlooked or underserved customers

  • Powering financial inclusion while keeping lender profitability in mind

Register Now

Meet the Panelists

Anna Roughley, Deputy Chief Executive @The Lending Standards Board UK

The Lending Standards Board is the leading non-statutory regulator for the UK’s financial services sector. Its mission is to challenge financial services providers to deliver better outcomes for their customers, using pioneering Standards and Codes to tackle emerging risks and extend protections where there are gaps in the statutory framework. Anna has extensive experience in risk and compliance and is passionate about ensuring customers receive the right outcomes in the financial services sector.

Giovanni Oppenheim, Director of Banking Solutions @Earnix

Earnix is a global provider of real-time, AI-driven dynamic pricing, product personalisation, and digital decisioning solutions for the financial services industry including consumer lending, auto finance, mortgages, and more. In his role, Giovanni works with Tier 0-3 banks and global financial institutions as a trusted advisor and industry expert to define strategic requirements for analytical products in consumer lending and accelerate the adoption of advanced analytical capabilities in the realm of pricing and credit risk decisioning.

Giovanni holds an MA in Economics from Princeton University and a BA in Economics from Università Commerciale 'Luigi Bocconi'.

Moderated by Marc Segal, EMEA Regional Director @Earnix

Earnix is a global provider of real-time, AI-driven dynamic pricing, product personalisation, and digital decisioning solutions for the financial services industry including consumer lending, auto finance, mortgages, and more. In his role, Marc is working with banks, fintechs, and auto finance captives across the region to ensure their needs are clearly communicated to the Earnix product and implementation teams, as well as supporting their journey to a more agile and profitable lending operation.