Consumer Lending Perspectives
Consumer Lending Perspectives
Podcast Description
Are you ready to unlock the timely insights on consumer lending from industry leaders? Step into the world of cutting-edge financial innovation and balance sheet strategies with Consumer Lending Perspectives, the must-listen podcast for forward-thinking finance executives. In an era of rapid technological advancement and shifting consumer behaviors, staying ahead of the curve is essential.
Join host Jeff Bogan, CFO at Upgrade and a fintech veteran, as he brings you episodes with C-Suite executives at the forefront of financial innovation. With over a decade of experience in investment banking and fintech, Jeff shares transformative insights into the most pressing issues facing financial leaders today.
We discuss underwriting techniques, loan portfolio management, consumer behavior and macroeconomic adverse selection, advancements in AI and machine learning for credit decisioning, and how big data is transforming real-time strategy adjustments. Explore advanced risk management tactics, from fraud detection algorithms to portfolio diversification, and discover how leading institutions are reshaping financial inclusion.
You'll also learn the latest digital marketing and personalization strategies that help financial institutions compete, as well as state-of-the-art digital fraud prevention technologies. Gain insights into managing liquidity in uncertain times and diversifying funding sources for optimized balance sheet management.
Whether you're a seasoned financial leader or an ambitious professional, this podcast equips you with the knowledge to thrive in the evolving consumer finance landscape. Featuring top decision-makers from banks, credit unions, fintechs, capital markets, and regulators, each episode offers practical advice, lessons learned, and strategies for growth.
Subscribe now to join a special community of financial visionaries and transform your approach to strategic planning, risk mitigation, loan portfolio growth, and income diversification. Discover innovative approaches to managing assets, anticipating market shifts, and expanding revenue streams.
About the Host:
As Upgrade’s CFO, Jeff is focused on building the finance, HR, and real estate functions to support the company’s growth.
Prior to co-founding Upgrade, Jeff built and led the Investor Group at Lending Club, sourcing more than $15 billion in capital from retail, institutional, and financial institutions. His role also involved managing platform funding, balancing investors with borrowers to fund loan products.
Before moving to the Bay Area, Jeff spent 8 years as an investment banker at Morgan Stanley, Greenhill, and SunTrust, where he provided M&A advice and raised capital, primarily for financial institutions.
Jeff holds an MBA from Harvard Business School and a BBA from The University of Georgia. In his free time, he enjoys skiing with his family and watching college football.
Podcast Insights
Content Themes
The podcast covers key topics in the financial sector including underwriting techniques, loan portfolio management, advancements in AI for credit decisioning, consumer behavior analysis, and digital marketing strategies. Example episodes explore data transparency, credit union innovations, and macroeconomic impacts on lending.
Are you ready to unlock the timely insights on consumer lending from industry leaders? Step into the world of cutting-edge financial innovation and balance sheet strategies with Consumer Lending Perspectives, the must-listen podcast for forward-thinking finance executives. In an era of rapid technological advancement and shifting consumer behaviors, staying ahead of the curve is essential.
Join host Jeff Bogan, CFO at Upgrade and a fintech veteran, as he brings you episodes with C-Suite executives at the forefront of financial innovation. With over a decade of experience in investment banking and fintech, Jeff shares transformative insights into the most pressing issues facing financial leaders today.
We discuss underwriting techniques, loan portfolio management, consumer behavior and macroeconomic adverse selection, advancements in AI and machine learning for credit decisioning, and how big data is transforming real-time strategy adjustments. Explore advanced risk management tactics, from fraud detection algorithms to portfolio diversification, and discover how leading institutions are reshaping financial inclusion.
You’ll also learn the latest digital marketing and personalization strategies that help financial institutions compete, as well as state-of-the-art digital fraud prevention technologies. Gain insights into managing liquidity in uncertain times and diversifying funding sources for optimized balance sheet management.
Whether you’re a seasoned financial leader or an ambitious professional, this podcast equips you with the knowledge to thrive in the evolving consumer finance landscape. Featuring top decision-makers from banks, credit unions, fintechs, capital markets, and regulators, each episode offers practical advice, lessons learned, and strategies for growth.
Subscribe now to join a special community of financial visionaries and transform your approach to strategic planning, risk mitigation, loan portfolio growth, and income diversification. Discover innovative approaches to managing assets, anticipating market shifts, and expanding revenue streams.
About the Host:
As Upgrade’s CFO, Jeff is focused on building the finance, HR, and real estate functions to support the company’s growth.
Prior to co-founding Upgrade, Jeff built and led the Investor Group at Lending Club, sourcing more than $15 billion in capital from retail, institutional, and financial institutions. His role also involved managing platform funding, balancing investors with borrowers to fund loan products.
Before moving to the Bay Area, Jeff spent 8 years as an investment banker at Morgan Stanley, Greenhill, and SunTrust, where he provided M&A advice and raised capital, primarily for financial institutions.
Jeff holds an MBA from Harvard Business School and a BBA from The University of Georgia. In his free time, he enjoys skiing with his family and watching college football.
In this episode, host Jeff Bogan speaks with Ethan Heisler, Editor of The Bank Treasury Newsletter, about how bank treasurers are managing liquidity, regulation, and risk today.
Heisler explains how instant payments and weekend settlement gaps are pushing institutions to hold higher reserves, changing traditional strategies. Heisler considers stablecoins a practical tool for evaluation in cross-border transfers that banks must come to understand.
They also examine how AI and machine learning can move beyond automation to support strategic treasury and balance sheet decision-making. As Heisler notes, better analytics could have changed outcomes at some recent bank failures. AI support for strategic brainstorming and decision-making could benefit many leadership teams, whether bank treasury, depository, financial institution, or asset manager.
“How are you using machine learning/AI to make better decisions? … How can you enhance your brain to do more when you think?” – Ethan Heisler
The conversation covers how examiner turnover, deposit growth, and liquidity preferences are changing priorities, as many treasurers choose to “stay liquid” while adopting new risk management tools. Together, Bogan and Heisler unpack the role of bank treasurers and financial management today.
What You’ll Learn in This Episode:
How bank treasurers are prioritizing liquidity and risk management post recent bank failures
What stablecoins are and their connection to instant payments
How AI and machine learning can support smarter balance sheet decisions
Current trends in regulatory focus, deposit growth and loan growth
Why deposit insurance reform and fintech partnerships matter more
Subscribe to Consumer Lending Perspectives to stay ahead of the trends in banking, fintech innovation, and financial services from industry experts.
TIMESTAMPS:
01:00 Ethan shares his background as an Institutional Investor-ranked analyst and the launch of the Bank Treasury Newsletter, with 21 years of industry insights
03:45 Deep dive into stablecoins in banking and how they function as a new payment method for cross-border payments, potentially disrupting the quadrillion-dollar international payment market
10:18 How artificial intelligence in banking and machine learning for financial institutions should enhance cognitive decision-making rather than just operational efficiency
13:00 Critical lessons from Silicon Valley Bank on balance sheet risk management and why liquidity management strategies must account for instant payment systems and deposit volatility
17:59 Discussion of uninsured deposits, deposit insurance, bank examiners, risk management and AI
26:17 The future outlook for the banking industry, including economic stability, deposit insurance reform needs, and fintech partnerships
KEY TAKEAWAYS:
Bank treasurers are rethinking liquidity. Instant payment systems and weekend settlement gaps are leading institutions to hold more cash and short-term assets.
Deposit behavior is changing. Despite the 2023 turmoil, deposits reached record highs, yet more funds are moving into money market products and Treasury bills outside of banks.
AI is underused in brainstorming and decision-making. Many banks apply AI for process automation, but few use it to improve risk and balance-sheet choices, an opportunity for smarter capital use.
Stablecoins could affect cross-border payments. Large banks may gain efficiency and lower costs by adopting stablecoins for international transfers, but widespread understanding is still limited.
Regulation and staffing are shifting. Examiner turnover and new supervisory focus require treasurers and CFOs to strengthen analytics and prepare for deeper regulatory review.
ABOUT THE GUEST:
Ethan Heisler is the editor-in-chief of The Bank Treasury Newsletter, commentary on bank treasury issues, investment portfolio strategy, asset/liability management, and trends. Ethan began his career on the repo desk at Dillon Read in 1981. Since then, his career has included senior positions in fixed income sales and trading, corporate bond research, and bank supervision. His experience spans multiple economic and interest rate cycles and includes work on key bank accounting and regulatory capital policies. He has analyzed banks in the U.S. and abroad. While a managing director in Corporate Bond research at Citigroup, he was recognized by Institutional Investor as a leading analyst of U.S. and Yankee banks.
Ethan Heisler – Website – https://www.thebanktreasurynewsletter.com/
Ethan Heisler – LinkedIn – https://www.linkedin.com/in/ethan-heisler-58b370119/
Jeff Bogan – Website – https://www.upgrade.com/team/jeff-bogan/
Jeff Bogan – LinkedIn – https://www.linkedin.com/in/jbogan5/
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