CASH FLOW UNDERWRITING SUMMIT 2025
2025 Agenda at a Glance
Session participants will be released on a rolling basis throughout August.
Fireside chat
Expand or Contract - Where are we in the consumer credit cycle?
The consumer's economic health and spending priorities have shifted dramatically. We'll decode the 2025 economic signals that matter most for lending decisions and unpack emerging credit product trends and unique borrower opportunities amidst a changing economic landscape.
This session cuts through the noise to examine where we stand in the credit cycle today—exploring how consumers are actually managing credit across different segments and what forward-thinking lenders need to know to position themselves for growth through uncertainty.
Moderator:
Collin Galster
COO
Nova Credit
Speakers:
Ashwin Adarkar
Senior Partner
McKinsey & Company
Dave Wasik
Partner
2nd Order Solutions
fireside chat
Post-1033 Reality: Is Consumer Permissioning Here to Stay?
With Section 1033 now in effect, misinformation and speculation abound about what this means for lenders, consumers, and the broader financial ecosystem. This session cuts through the noise to examine real consumer and lender reactions to these regulatory shifts.
Panelists will offer a unique lens into how the market is actually responding versus the headlines. We'll separate fact from fiction on consumer permissioning adoption, explore what early data reveals about compliance and competitive positioning, and discuss practical implications for credit decisioning strategies.
Moderator:
Jennifer Tescher
President & CEO
Financial Health Network
Speaker:
Manolo Sanchez
Board Member
Affirm
Mike Shepard
SVP, Head of Consumer Lending Partnerships
U.S. Bank
panel
Is Open Banking Opening or Closing?
What's currently emerging is a multi-layered ecosystem where the real differentiator isn't data access—it's insights, optimization, and transparent consumer experiences. The landscape is neither fully open nor closed, but something entirely new.
For lenders, this creates critical decisions around partner strategy. Understand from leading data aggregators the evolving landscape of coverage and compliance frameworks that will determine your ability to leverage open banking effectively in this rapidly changing environment.
Moderator:
Tom Brown
Partner
Nyca Partners
Speaker:
John J. McNamara
Principal Assistant Director, Markets
Consumer Financial Protection Bureau
Panel + Q&A
Persistent Access across the Customer Lifecycle
A major technological breakthrough has trended this year: the capability to refresh consumer data compliantly. Persistent access enables continuous risk assessment, dynamic credit line management, and proactive customer service. For lenders looking to keep pace with industry front-runners, this represents both the competitive advantage and the practical pathway to next-generation customer experiences.
Moderator:
Penny Crosman
Executive Editor, Technology at American Banker
Arizent
Speaker:
Eugene Ludwig
Former Comptroller
Office of the Comptroller of the Currency
PANEL
Risk Leadership with Cash Flow: Strategy, Thresholds, and Opportunity
Cash flow underwriting promises significant uplift, but reveals unique modeling challenges that traditional risk frameworks weren't designed to handle. What makes cash flow data fundamentally different from bureau data when building risk models? What remains the same?
Risk leaders from major financial institutions will discuss the practical realities of integrating cash flow analytics into existing credit policies, sharing candid insights on what works, what doesn't, and how to navigate the analytical complexities.
Moderator:
Sarah Davies
Chief Analytics Officer
FinRegLab
Speakers:
Brian Hughes
Fmr. Chief Risk Officer
Discover
Ash Gupta
Board Chairman
Corridor Platforms
Vishal Saxena
Head of Portfolio Analytics
Pagaya
PANEL
Leading through the Step Change in Data
The explosion of new data sources represents a fundamental step change in how financial institutions can understand and serve customers. But with opportunity comes complexity.
How are forward-thinking leaders transforming their acquisition strategies, product development, and growth initiatives in response to richer data insights? This session brings together growth and acquisition executives to explore practical approaches to data integration, organizational change management, and strategic decision-making in an environment where traditional playbooks no longer apply.
Moderator:
Alex Johnson
Founder
Fintech Takes
Speaker:
Naga Parvatharajan
CEO
Ratehub.ca
Tim Hong
Chief Product Officer
MoneyLion
Fireside Chat
Pilot to Performance: Real Results with Cash Flow Data
Dive into the performance of recent pilots and explore how consumer-permissioned data reshapes credit assessments. Learn the strategies for navigating the cold start problem, testing into the space, and the build versus buy decision-making process.
Moderator:
Alex Johnson
Founder
Fintech Takes
Speaker:
Naga Parvatharajan
CEO
Ratehub.ca
Tim Hong
Chief Product Officer
MoneyLion
Panel
The Cash Flow Bureau of the Future
As cash flow data becomes central to credit decisioning, the infrastructure supporting it must evolve beyond simple data aggregation. What distinguishes basic data access from true bureau-level capability, and what features should lenders prioritize when evaluating cash flow solutions?
This session examines the critical capabilities that separate enterprise-ready platforms from basic offerings. From multi-aggregator redundancy and real-time processing to FCRA compliance and dispute handling, we'll explore the technical and operational requirements that define next-generation credit infrastructure. Understanding coverage, conversion rates, latency optimization, and model governance support will be crucial for making the right technology partnerships as the industry scales cash flow underwriting.
Moderator:
Misha Esipov
Co-founder & CEO
Nova Credit
Speaker:
Kenneth Lin
Founder
Intuit Credit Karma
Fireside Chat
Pioneering the Next Era of Lending: How Leading Organizations Use Data to Grow Responsibly
A forward-looking conversation exploring how consumer credit will evolve over the next decade, featuring insights from the nation's largest credit card issuer on changing consumer expectations, emerging data sources, and the technology infrastructure required to better serve millions of misunderstood Americans.
As traditional credit assessment reaches its limits, leading organizations are pioneering new approaches that balance responsible growth with expanded access. This session examines how data-driven strategies are enabling lenders to unlock opportunities while maintaining rigorous risk standards—creating pathways to credit for consumers who were previously invisible to the financial system.
Moderator:
Misha Esipov
Co-founder & CEO
Nova Credit
Speaker:
Kenneth Lin
Founder
Intuit Credit Karma
Fireside Chat
Keynote: Driving Exponential Growth in a Digital Age
What drives a fintech to achieve billion-dollar valuation in record time? This session examines Bilt's meteoric rise and innovative business model that's reshaping how we think about rewards, partnerships, and customer acquisition. We'll explore the strategic decisions behind rapid growth, including major partnership pivots and the role of data in scaling operations. From initial concept to market leader, this conversation reveals the playbook for building and growing consumer lending businesses in today's competitive landscape.
Moderator:
Misha Esipov
Co-founder & CEO
Nova Credit
Speaker:
Kenneth Lin
Founder
Intuit Credit Karma
The experience
What You'll Learn
Define the present and future of cash flow underwriting use cases
Hear expert advice on the latest in open banking policies & compliance
Foster connections with industry peers and regulators
SEPTEMBER 10, 2025
Schedule of the Day
Breakfast & Registration
8am-9am
Keynote & Mainstage Programming
9am-12pm
Networking Lunch
12:30pm - 1pm
Keynote & Mainstage Programming
1pm-2pm
Breakout Sessions
2pm - 3pm
Keynote & Mainstage Programming
3pm - 5pm
Networking Cocktails
5pm - 6pm
Are you ready to define the latest in cash flow underwriting strategies?
Request On Demand →
