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Meet Jeff Keltner. He shares how banks and credit unions can leverage AI to grow their consumer loan portfolio, approve more borrowers, and provide an exceptional digital experience.
Jeff Keltner is a Senior Vice President Of Business Development at Upstart. As Upstart’s fifth employee, Jeff has run business development opportunities including new product areas, strategic partnerships, and other investments since Upstart’s inception, through its IPO, and beyond.
Jeff is passionate about Upstart’s mission to partner with banks and credit unions to make credit as effortless and available to as many consumers as possible based on true risk. He also hosts the Leaders in Lending podcast where he discusses the future of the financial services industry with consumer lending executives and other leaders in the space.
Prior to Upstart, Jeff worked at Google for 6 years where he was the first business person focused on what is now Google Cloud – spending time launching and running the Education business, Global 200 account marketing, and Chrome for Business areas. He holds a computer engineering degree from Stanford and has more than 20 years of experience in sales, marketing, and business development.
Jeff Keltner is a Senior Vice President Of Business Development at Upstart. As Upstart’s fifth employee, Jeff has run business development opportunities including new product areas, strategic partnerships, and other investments since Upstart’s inception, through its IPO, and beyond.
Jeff is passionate about Upstart’s mission to partner with banks and credit unions to make credit as effortless and available to as many consumers as possible based on true risk. He also hosts the Leaders in Lending podcast where he discusses the future of the financial services industry with consumer lending executives and other leaders in the space.
Prior to Upstart, Jeff worked at Google for 6 years where he was the first business person focused on what is now Google Cloud – spending time launching and running the Education business, Global 200 account marketing, and Chrome for Business areas. He holds a computer engineering degree from Stanford and has more than 20 years of experience in sales, marketing, and business development.
Lenders have thousands of data points on each individual, yet very few apply this data to make better informed lending decisions. This leaves creditworthy borrowers declined or paying high interest rates and experiencing a very antiquated, friction-filled process.
On your podcast, Jeff can talk about how banks and credit unions can use AI to improve both the borrower experience and the economics for lenders. Specifically, he’ll talk about how AI has the capacity to better identify low risk individuals through a combination of data points and the application of modeling to those data points across a data set of historical applicants.
Institutions can no longer earn clients’ loyalty without being advisors.. Although the world is moving towards digital, people still need a human touch – especially at the beginning of their relationship with an institution. Unfortunately, most lenders still fail to understand this.
On your podcast, Jeff can talk about when institutions should focus on human-to-human interaction and when they should step away and leverage technology. He’ll share how to take advantage of data to remove friction from the process (both online and in-branch) or why just 20% of borrowers actually refinance their mortgage within the same institution.
Nowadays, customers are starting to expect interactions with financial services outside banks. Concepts like “buy now, pay later” in stores are increasingly more popular but there’s still too much friction. With a large movement away from revolving credit, embedding finance into the purchasing experience itself is the next inevitable step.
On your podcast, Jeff can expand on how the most progressive companies (such as Peloton) mastered this process and why lenders must start focusing on this growing trend.
Credit scores are fundamentally flawed. Many financial institutions only lend to those with a credit score above 700, disproportionally impacting groups such as African Americans and Hispanics. Because AI is able to assess thousands of variables and historical performance to accurately determine a borrower’s likelihood to repay, AI enables lenders to increase approval rates across all demographics and become more inclusive.
On your podcast, Jeff will discuss the importance of having the right data and asking the model the right questions in order to prevent bias in their AI models.
If there is a specific topic you would like Jeff to focus on during the interview that is not listed here, please do let us know.
We would be more than happy to run this by Jeff to see if he was able to talk in detail and deliver value to your audience.