Leaders in Lending
Leaders in Lending is a show for lending professionals who want to grow their consumer lending programs and improve the member experience. Consumers expect faster, easier online experiences from every company, and our guests share how they are bringing their organizations and lending products into the future.
Every two weeks, we deliver actionable advice and key insights from experienced industry voices to help you navigate the evolving world of consumer lending.
The views, thoughts and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the official policy or position of Upstart.
Recent Episodes
June 24, 2026
The Pendulum Is About to Swing Back. Are You Ready?
The regulations never went away. The exams slowed down, the enforcement pulled back, but every rule is still on the books. And when the pendulum swings back, everything being done right now is going to get looked at. Mike Reynolds from Zions Bancorporation and Aaron Rakowski from WesBanco co-chair the CBA CFPB Committee and have a clear message: this window is not a vacation. It's a chance to catch your documentation up, plug your compliance resources into product development, and stop yo-yoing
191
June 10, 2026
Innovation Is Moving Faster Than the System
Innovation is accelerating across consumer banking. AI, digital assets and new payment models are reshaping the industry. But institutions still operate inside established regulatory frameworks. In this episode, Kyle Glenn of the Consumer Bankers...
May 27, 2026
Banking Is Commoditized. Experience Is Not.
The banking product is commoditized. The experience is not. In this episode of Leaders in Lending, guest host Deepak Bhandari sits down with TJ Steele, director of digital channels at Eastern Bank, to discuss how banks can differentiate when rates,...
189
May 13, 2026
Auto Lending Just Hit a Wall. Now What?
Auto affordability isn't a cycle this time. It's a new baseline. In this episode, guest host Deepak Bhandari from Upstart sits down with Eric Earvin from First Commonwealth Bank and Michael Gilbert from Associated Bank, co-chairs of the CBA Auto...
188
April 29, 2026
Which Rules Are You Actually Following? CFPB Expert on What's Changing
Banks don't know if they should be running disparate impact analysis or not. The CFPB is rewriting its own rules. State AGs are filling the gaps. And the legal questions around agentic AI haven't even been answered yet. CBA General Counsel David Pommerehn breaks down what's actually happening and what lending leaders should do about it. Recorded at CBA Live 2026 in San Diego, this episode covers: - The CFPB under the current administration - Reg B and the elimination of disparate impact - State
187
April 16, 2026
Your Safest Borrowers Might Be Your Biggest Risk
The biggest lending risk in 2026 may not be where you think. Experian Chief Economist Joseph Mayans calls today’s environment a one trick pony economy. Growth is concentrated. White collar strength is carrying the load. And if that shifts, prime borrowers may be the segment to watch. Recorded at CBA Live 2026, this episode covers: • The macro outlook into mid-2026 • AI concentration risk • White collar labor exposure • Why prime credit could be mispriced • Small business formation in the AI econ
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