Agenda

8:00am

Breakfast & Registration

> Main Space

9:00am

Speech

Welcome: Has the Cash Flow Underwriting Era Arrived?

Details

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.
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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?

Details

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?

Details

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?

Details

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

Paul LaRusso

CEO

Akoya

Bart Willaert

EVP, Open Finance, Americas

Mastercard

11:15am

Break

11:35am

Panel + Q&A

Use Cases Across the Customer Lifecycle

Details

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

Details

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

12:40pm

Lunch

> Salon Two

1:40pm

PANEL

Leading Through the Step Change in Data

Details

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

Details

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

2:45pm

Break

> Salon Two

3:30pm

Panel

The Cash Flow Bureau of the Future

Details

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

Details

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

Details

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

4:50pm

Closing remarks

Wrap and Close

5:00pm

Cash Flow Underwriting
Summit 2025

WiFi Login Information

Agenda

Breakfast & Registration

Welcome: Has the Cash Flow Underwriting Era Arrived?

Expand or Contract - Where Are We in the Consumer Credit Cycle?

Post-1033 Reality: What's the Regulatory Pulse?

Is Open Banking Opening or Closing?

Break

Use Cases Across the Customer Lifecycle

Risk Leadership with Cash Flow: Strategy, Thresholds, and Opportunity

Lunch

Leading Through the Step Change in Data

Pilot to Performance: Implementing Cash Flow Data

Break

The Cash Flow Bureau of the Future

Pioneering the Next Era of Lending: How Leading Organizations Use Data to Grow Responsibly

Keynote: Driving Exponential Growth in a Digital Age

Wrap and Close

Cocktails / Networking

Ask a Question

Explore Cash Flow Underwriting Solutions from Nova Credit

The power to underwrite anyone

Cash Flow Underwriting Summit 2025

WiFi Login Information

Agenda

Breakfast & Registration

Welcome: Has the Cash Flow Underwriting Era Arrived?

Expand or Contract - Where Are We in the Consumer Credit Cycle?

Post-1033 Reality: What's the Regulatory Pulse?

Is Open Banking Opening or Closing?

Break

Use Cases Across the Customer Lifecycle

Risk Leadership with Cash Flow: Strategy, Thresholds, and Opportunity

Lunch

Leading Through the Step Change in Data

Pilot to Performance: Implementing Cash Flow Data

Break

The Cash Flow Bureau of the Future

Pioneering the Next Era of Lending: How Leading Organizations Use Data to Grow Responsibly

Keynote: Driving Exponential Growth in a Digital Age

Wrap and Close

Cocktails / Networking

Ask a Question

Explore Cash Flow Underwriting Solutions from Nova Credit

The power to underwrite anyone

Cash Flow Underwriting
Summit 2025