​If you don’t have a plan to start leveraging cash flow data, it’s essential that you develop one.

​Lenders are already realizing huge gains — in risk-based pricing, market expansion, portfolio management — and institutions that don’t quickly follow their lead will soon fall behind.

​This webinar is intended to help lending practitioners figure out where to start. Drawing on original research and a wealth of lending, credit risk, and data science experience, our speakers will explain how to think about cash flow data within the context of your existing credit data, risk models, and underwriting processes, and will make tactical suggestions for how and where to get started.

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​Alex Johnson

​Alex Johnson is the founder and author of Fintech Takes, a media brand focused on the collision of banking and technology. In his 2x weekly newsletter and weekly podcast, Alex explores the ideas and companies changing the way that money works, with plenty of analogies and pop culture references along the way!

​​​​Prior to joining Workweek, Alex spent 15+ years in various marketing, strategy, and market research roles at companies including Cornerstone Advisors, FICO, and Mercator Advisory Group.

​​​​He is a recognized financial industry expert and his analysis has been featured in American Banker, The Wall Street Journal, and NBC Nightly News. Alex lives in Montana and spends his spare time hiking and chasing his young children around.

​Nikki Cross

​Nikki Cross is the Senior Director of Data Science Solutions at Nova Credit, where she has been since 2021. In her role, she educates and guides prospect and client teams as they analyze and create strategies built on Nova Credit's solutions, ensuring these customers can best leverage them to serve more people and expand financial access. Previously, she held senior data roles at fintech Mission Lane and the company it spun off from, LendUp, as well as TransUnion and Capital One. She has a master’s in analytics and a bachelor’s in applied mathematics from Georgia Institute of Technology.

​Tim Bates

​Tim Bates is the Principal and Founder of Efficient Frontier Risk Strategies, and brings to clients over 25 years of diverse leadership experience in Risk Management within US financial institutions. Tim previously served as Chief Credit Officer at BECU, the fourth-largest US credit union, overseeing credit quality across a diversified consumer and business lending portfolio.  He has held senior-level roles in Credit Risk, Enterprise Risk Management, and Fraud Strategy at leading financial institutions, as well as leading predictive modeling and analytic consulting teams supporting the Financial Services industry.

​Jason Capehart

​Jason Capehart is the Head of Data Science at Mission Lane. In his role, Jason emphasizes fairness, accountability, and transparency in machine learning to improve financial services for working-class Americans through a sustainable, quantitative approach to business.