With rates elevated and household budgets under pressure, delinquencies and losses are back at the top of every credit committee agenda. This session looks at how lenders are responding to a higher-for-longer environment: tightening or recalibrating underwriting, revisiting term and LTV strategies, and refining collections and restructuring playbooks. Panelists will dig into cohort analysis, early warning indicators and stress testing, and how they’re defending portfolio quality while still supporting originations.
Speakers
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David Fry CEO Paays Moderator -
Stephen Dykau CEO Santander Speaker -
Andrew Mulroy VP Operations iA Auto Finance Speaker -
Paul Hunsley Head, Automotive Finance Eden Park Speaker