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 of Consumer Lending Perspectives, Sheel Mohnot, Co-Founder and General Partner of Better Tomorrow Ventures, joins the show with host, Jeff Bogan, CFO at Upgrade and fintech veteran. Better Tomorrow Ventures is a venture capital fund dedicated to fintech companies globally.
Sheel’s insights span the fintech landscape, from the symbiotic relationship between fintech and banking to the transformative potential of AI in areas like compliance and underwriting.
He discusses how Better Tomorrow Ventures nurtures entrepreneurs’ ideas into thriving businesses through seed investing, emphasizing infrastructure solutions.
Tune in as Sheel explores new investment frontiers, including accounting and mortgages, and shares his vision for Better Tomorrow Ventures’ role in driving Fintech innovation forward.
IN THIS EPISODE:
- (1:30) Sheel explains how he became involved with Kiva and what prompted him to move into the Fintech space
- (06:43) Better Tomorrow Ventures, what is seed investing and how entrepreneurs’ ideas become businesses
- (14:40) Interaction between fintech and the banking industry
- (20:32) Discussion of AI and advice for choosing an AI business partner or vendor
- (26:12) New areas of investment that Sheel finds interesting, his outlook for Better Tomorrow Ventures, and his thoughts on the consumer
KEY TAKEAWAYS:
- Sheel Mohnot’s early work at Kiva, a consumer lending platform enabling microloans to alleviate poverty, shaped his fintech career. Kiva’s model of crowdfunding small loans (as little as $25) to individuals in developing countries highlighted the power of technology to improve financial access, influencing his focus on fintech solutions.
- Mohnot’s venture capital fund, Better Tomorrow Ventures, focuses on seed-stage Fintech investments, leveraging his and his partner’s operational experience.
- BTV prioritizes founder-driven investments, valuing speed, tenacity, and articulation in entrepreneurs, and targets fintech infrastructure solutions (e.g., Unit, Layer) over other areas.
- Mohnot sees significant opportunities in specialized AI applications for Fintech, such as compliance, underwriting, and accounting automation (e.g., Basis, Kaaj, Monk). These solutions address specific industry needs, reduce risk, and enhance efficiency, unlike generic AI models, making them attractive investment targets.
RESOURCE LINKS
Better Tomorrow Ventures – Website
ABOUT THE GUEST:
Sheel Mohnot is Co-Founder and General Partner of Better Tomorrow Ventures, an early-stage venture capital fund investing in Fintech companies globally. He’s also the General Partner of the 500 Fintech fund. His own startup experience includes two successful Fintech exits: a payments company. Previously, he worked as a financial services consultant at BCG, and he began his Fintech career at Kiva, a non-profit, peer-to-peer lender.
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