CASH FLOW UNDERWRITING SUMMIT 2025
2025 Agenda
Session participants will be released on a rolling basis throughout August.
9:00am
Speech
Welcome: The Cash Flow Underwriting Era Has Arrived
Traditional credit scoring has left too many creditworthy consumers misunderstood by lenders. Today, technology infrastructure has evolved so rapidly that cash flow data is increasingly deployed alongside traditional bureau data with the same reliability and scale.
The momentum is undeniable—lenders across every segment are exploring how real-time financial data can unlock growth opportunities while maintaining strong risk management. We will examine the current state of cash flow underwriting adoption and what the acceleration in technology infrastructure means for the future of credit decisioning.
Speakers:
Sarah Davies
Senior Advisor
FinRegLab
Misha Esipov
Co-founder & CEO
Nova Credit
9:45am
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:
Dave Wasik
Partner
2nd Order Solutions
Amy Crews Cutts, PhD, CBE®
President & Chief Economist
AC Cutts & Associates LLC
10:10am
fireside chat
Post-1033 Reality: What's the Regulatory Pulse?
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:
Penny Crosman
Executive Editor, Technology
American Banker
Speakers:
John McNamara
Former Principal Assistant Director, Markets
Consumer Financial Protection Bureau
Kelly Cochran
Deputy Director
FinRegLab
Rich Cordray
Fmr. Director
Consumer Financial Protection Bureau
10:50am
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:
Kevin Feltes
CEO
Financial Data Exchange
Speakers:
Jane Barratt
Chief Advocacy Officer
MX
Paul LaRusso
CEO
Akoya
Bart Willaert
EVP, Open Finance, Americas
Mastercard
11:35am
Panel + Q&A
Use Cases 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:
Chris Hansen
GM, Global Partnerships and Alliances
Nova Credit
Speakers:
Dev Chakraborty
GM, Cards, Mortgages, & Spark, and Head of Data Partnerships
MoneyLion
Das Mohandas
Chief Lending Officer and GM
Varo Bank. N.A.
Lalitha Rao
Chief Risk Officer
Imprint
12:05pm
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:
Alex Johnson
Founder
Fintech Takes
Speakers:
Chris McCall
Head of Consumer Credit and Pricing
Citizens Bank
Bill Garber
SVP, Credit Policy and Analytics
Navy Federal Credit Union
Munish Pahwa, PhD
EVP and Chief Risk Officer
Sallie Mae
1:40pm
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:
Nichole Mustard
Co-founder & Fmr. Chief Revenue Officer
Credit Karma
Speakers:
Jim McGinley
GM, Credit Cards
Credit Karma
Evan Bryman
Chief Product and Strategy Officer
Concora Credit
Brent Montgomery
Chief Operating Officer
Credit One Bank
2:15pm
Fireside Chat
Pilot to Performance: Implementing Cash Flow Data
Finally - the real numbers behind cash flow underwriting at scale. Anand Bhushan shares PayPal's journey to responsibly expand consumer access to credit by leveraging alternative data sources. Anand will also dive into how to identify opportunities to reshape models and underwriting, testing those theories with real-life scenarios, to tangible consumer benefits of leveraging cash flow data in underwriting.
Moderator:
Nikki Cross
Senior Director, Data Science Solutions
Nova Credit
Speaker:
Anand Bhushan
Global Head of Credit Risk, Pay Later Products
PayPal
3:30pm
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:
Chris Hansen
GM, Global Partnerships and Alliances
Nova Credit
Speakers:
Debtosh Banerjee
President
Seen Finance
Matt Lattman
Former SVP, Card Acquisition Marketing
Discover Financial Services
Joy Wilder Lybeer
Fmr. Chief Revenue Officer and SVP of Global Partnerships
Equifax
4:00pm
Fireside Chat
Pioneering the Next Era of Lending: How Leading Organizations Use Data to Grow Responsibly
A conversation on the changing landscape of consumer credit featuring insights from the nation’s largest credit card issuer. 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
Speakers:
Chris Reagan
President, Branded Cards
Chase
Catherine Hogan
Chief Business Officer, Card & Connected Commerce
Chase
4:30pm
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:
Brian Kelly
Founder
The Points Guy
Speaker:
Ankur Jain
Founder & CEO
Bilt
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 →
