Meet and Learn more about the Credit Scoring Industry from VantageScore’s Leaders
American Mortgage Conference (AMC 2024)
VantageScore 4.0 and Mortgage
Come prepared to learn about the VantageScore 4.0 credit scoring model: the value of trended data, what goes into the VantageScore 4.0 credit score, and how the score works.
Dr. Andrada Pacheco, Senior Vice President, of Data Science and ModelingTony Hutchinson, Senior Vice President, of Industry and Government Relations
11th Annual Credit Building Symposium (CBA 2024)
VantageScore’s Innovation and Consumer Permissioned Cash Flow Underwriting Capabilities
Jeff Richardson, Senior Vice President and Head of Marketing
Previous Events
GSE Mortgage Webinar
Full Steam Ahead! Implementation of VantageScore for GSE Mortgage Takes an Important Step Forward
FHFA has responded to industry calls for a rich database of historical mortgage loans with VantageScore 4.0 credit scores to enable market participants to research and recalibrate their models.
On March 28th, 2024, VantageScore will host a webinar to update the industry on discussions regarding the data and recent stakeholder forums where lenders are providing feedback on the implementation process.
Additionally, VantageScore will provide an insightful presentation about the state of credit health of the American consumer and how a volatile credit environment is impacting mortgage originations and delinquencies.
In this session you will learn:
- The status of the implementation of VantageScore 4.0 for mortgages delivered to the GSEs and the details around a historical data set of loans
- A real-time update on the credit health of American consumers and the impact on mortgage originations and delinquencies
- How to pilot VantageScore 4.0
Anthony Hutchinson, SVP, Industry & Government Relations, VantageScoreAtif Mirza, VP, Digital, VantageScoreHosted by Jeff Richardson, SVP, Marketing, VantageScore
Fin-Tech Meetup
The Next Big Thing: Consumer Empowerment in Lending
Lenders are currently struggling with an increase in delinquencies across many products and reduced demand from high interest rates. The good news is that by empowering consumers to leverage their own bank account data for an underwriting decision, lenders can increase their addressable market, reduce risk and drive financial inclusion. Learn about the next big thing in lending from Dr. Rikard Bandebo, EVP and Chief Product Officer at VantageScore and see first-hand how low friction, consumer permissioned data can be accessed and used in loan applications.
In this session you will learn:
- Why consumer permissioned bank data is no longer a fad but a scalable strategy; How regulators are viewing the use of consumers’ bank account data;
- How banks and Fintechs can lean into consumer empowerment and win!
Dr. Rikard Bandebo, Executive Vice President, Chief Product Officer, VantageScore
National Fair Housing Alliances (NFHA)
The Right Frame: A Conversation with Dr. Rikard Bandebo and Sarah Wartell
Examining algorithmic systems is a must to ensure technologies can both spur economic development and provide real benefits to people and communities. VantageScore has enjoyed a decades-long partnership with groups working to use data in novel ways to expand credit markets to serve more consumers. But using consumers’ data comes with huge responsibilities to ensure the data being used to develop systems is appropriate, the systems themselves are trustworthy and do not harm people, and that risks presented by these systems are effectively managed and mitigated. Learn more about how corporations on technology’s cutting edge are using tools to ensure technological innovations don’t hit the marketplace untested, mitigate societal harms, and work for alignment with new policies developed by the White House and other federal agencies.
Dr. Rikard Bandebo, EVP, Chief Product Officer, VantageScore
MISMO
Pro Tips for Exploring Performance of VantageScore4.0 Over Time
With the upcoming credit score changes on the horizon, lenders need to understand how the VantageScore4.0 model performs over time with different cohorts of loans. Join this session to obtain foundational information on tools and resources that can be used to support your analysis.
Atif Mirza, Vice President of Digital, VantageScore
FHFA Webinar
Upgrading Credit Scores for Mortgages: Outcomes from FHFA Stakeholder Forums
FHFA has initiated Phase 2 of the process to implement new credit score models in the secondary mortgage market. This new phase of engagement includes forums for stakeholders to discuss: 1. The Historical Dataset the GSEs plan to release to the market, and 2: The Implementation milestones for FHFA’s mandate.
On November 28th, VantageScore will host a webinar to update the industry on discussions regarding the effective implementation of VantageScore 4.0 in the mortgage ecosystem. We will share our view of the discussion and offer solutions designed to help your organization prepare to effectively execute the mandate on Day 1 execution.
WHAT YOU WILL LEARN:- The status of the implementation of VantageScore 4.0 for mortgages delivered to the GSEs
- Solutions to implementation issues raised during Stakeholder / FHFA discussions
- How to get ahead of the changes
Anthony Hutchinson, SVP, Industry & Government Relations, VantageScore
Moderated by Owen Spedding, Manager of Bureau Alliances, VantageScore
CardCon 2023
How Are Consumers Handling Their Credit Accounts and Overall Credit Health?
With student loan forbearances recently ending, new pressure is now on consumers amidst broader economic volatility.
How are scores impacted? And, as a journalist, what resources do you have at your fingertips to indicate consumer credit health?
Jeff Richardson, Senior Vice President of Marketing and Communications at VantageScore, will review the latest consumer credit insights from VantageScore’s CreditGauge tool and show attendees how to use CreditGauge themselves to write stories and cover the U.S. consumer credit industry.
Jeff Richardson, Senior Vice President of Marketing and Communications, VantageScore
VantageScore Webinar for Mortgages
FHFA’s Credit Score Updates: Are You Ready for the Changes?
VantageScore will host a webinar to update the industry on the progress that FHFA and the GSEs have made toward implementing the new credit score models. We will share the view of Congress on this initiative as well as ideas on how your organization can begin preparing for Day 1 execution right now.
WHAT YOU WILL LEARN:
- The status of the implementation of VantageScore 4.0 for mortgages delivered to the GSEs
- How Congress is engaging and monitoring the implementation
- How to get ahead of the changes
Anthony Hutchinson, SVP, Industry & Government Relations, VantageScore
Moderated by Owen Spedding, Manager of Bureau Alliances, VantageScore
Housing Finance Strategies #HousingDC23
Future Era of Inclusion
How can new data and advanced analytic techniques responsibly move the dial to create a more expansive and inclusive marketplace for mortgage finance? This discussion will highlight the path forward of leveraging “two credit scores,” Vantage Score, and help us understand the groundbreaking changes this will bring to affordability and accessibility in a difficult market. Progress!Silvio Tavares, President and CEO, VantageScore
Q&A Facilitated by Faith Schwartz, Founder & CEO, Housing Finance Strategies
Fintech Nexus
How Alternative Data and Cash Flow Underwriting will Shepherd in a New Era
Consumer credit industry innovators VantageScore and Klarna will join forces to discuss the future of credit scoring and how using more inclusive and predictive data sets will drive greater risk insights and more equitable consumer lending.
The discussion will take place at Fintech Nexus in New York City on May 10th at 4pm at the Jacob Javits Center. Panelists including Dr. Rikard Bandebo, Executive Vice President and Chief Product Officer at VantageScore, and Gali Heichal, Global Head of Payment Partnerships at Klarna, will speak to:
- The predictive and inclusionary benefits of alternative data and cash flow data
- Real world experience in how such data helps deliver value to customers
- Ensuring consumer permission and privacy
SFVegas 2023
Embracing the Future: Why VantageScore 4.0 is Urgently Needed in The Mortgage Marketplace
Join VantageScore’s Tony Hutchinson, Senior Vice President of Industry and Government Relations at SFVegas, the world’s largest capital markets conference in the world. Tony will be discussing how FHFA’s mandate that mortgage applications for loans funded by Fannie Mae and Freddie Mac include VantageScore 4.0 credit will enhance risk insight and financial inclusion.Tony Hutchinson, Senior Vice President, of Industry & Government Relations, VantageScore Solutions
Digital Commerce Alliance Annual Summit: Keynote Address
Repositioning to Succeed in a Recession Economy: A look at the Most Recent Consumer Data
THINGS WILL NEVER BE THE SAME. Learn how permanent shifts in demographics and technology innovations will reshape how the consumer credit market works. Silvio Tavares, President & CEO of VantageScore, shares how consumers are handling their credit accounts as economic headwinds and inflation persist, and then discusses three major permanent changes to the U.S. credit markets:
- Financial Inclusion — The Key New Driver for Payments Growth and Credit Growth
- Big Tech – Becomes the Key Driver of Consumer Credit Usage
- Alternative Data – Consumers Provide Alternative Data to Deliver Open New Sources of Credit and Payments Volume
Silvio Tavares, CEO, VantageScore Solutions
Consumer Bankers' Association Webinar
Leveraging Data and Analytic Innovations to Increase Risk Management and Financial Inclusion: What it means for the economy in 2023
With economic headwinds ahead, how do lenders continue to drive financial inclusion? Today’s analytic tools provide up-to-date, digital access to critical insights that help consumer banking executives monitor risk and macro-economic trends and uncover previously underserved consumers by geographic market. By leveraging self-service tools, lenders can reach new markets, manage risk and drive positive credit outcomes for their customers. In this webinar, VantageScore leaders discussed the latest data regarding the state of consumer credit health, and how to use new digital tools available that the company launched this year including Inclusion 360™, Risk Ratio™ and Credit Gauge™.Rikard Bandebo, Executive Vice President, Chief Product Officer
Susan Fahy, Executive Vice President, Chief Digital Officer
ABS East
Macro Economy Keynote
Serving as one of the most important structured finance industry conferences, the ABS East 2022 gathering included a delegation of more than 4,000 structured finance professionals. Now in its 28th year, ABS East has solidified its place as the must-attend Fall gathering of the securitization industry, offering beneficial market insights with actionable takeaways.Silvio Tavares, CEO, VantageScore Solutions
Jonathan Millar, Senior US Economist, Barclays
Conrad DeQuadros, Senior Economic Advisor, Brean Capital, LLC
Gary Zhu, SVP | Head of Insurance, AllianceBernstein
Consumer Credit & VantageScore
Housing Finance Strategies
Housing Finance Strategies leverages decades of expertise navigating the banking system, regulatory system, government agencies and Congress to deliver expert advice to mortgage executives and fintech leaders.Silvio Tavares, CEO, VantageScore Solutions
Faith Schwartz, CEO, Housing Finance Strategies
VantageScore Webinar
Navigating Changes to the Student Loan Marketplace and Impacts to VantageScore Credit Scores
Consumer lending chief risk officers and policy makers can join this critically informative webinar where you will hear from experts from the Department of Education and VantageScore who will explain the Fresh Start program and discuss how student loan relief programs could impact VantageScore credit scores.FinnovateFall 2022 Mastermind Keynote
Leveraging Data Analytics To Drive Financial Inclusion
Dr. Bandebo with discuss news tools and analytic approaches for not only discovering who is newly scoreable but which consumers are newly “lendable.” He will share insights into how to discern risk profiles and find “diamonds in the rough” among populations of consumers that conventional models ignore.DCA Event
How Consumer-Permissioned Data Improves Credit Scoring Accuracy and Financial Inclusion
Let consumers opt-in before their data is shared. Give them the ability to pause participation in subscription-based loyalty programs when the need arises. And enable them to benefit more directly from the information about them accessed by advertisers and others. Newly emerging best practices are challenging the status quo around financial data.Equifax Event
How can Credit Unions further impact financial inclusion and access to credit?
Experts, Peter Maynard, SVP of Data and Analytics at Equifax, and Emre Sahingur, SVP of Predictive Analytics at VantageScore Solutions, explain the role of alternative data - information not found in traditional credit reports - in building a more inclusive financial system, and how more inclusive, fair, and accurate credit modeling can help find creditworthy members who would traditionally not be scoreable.Emre Sagingur, SVP of Predictive Analytics, VantageScore Solutions
DCA Event
Financial Inclusion + Alternative Data
Get information and insights - from VantageScore's Jeff Richardson and Credit Builders Alliance's CEO Dara Duguay - on the current state of rent reporting among affordable housing providers. Learn more about the evidence around the benefits of rent reporting for low income populations, the obstacles to rent reporting that still exist today, and the Federal government’s and HUD’s opportunities to help millions of individuals with poor or no credit participate in mainstream financial markets.Dara Duguay, CEO, Credit Builders Alliance
CBA Webinar Series
Alternative data: What benefits can rent, utility and telecom payments provide consumers and what are the challenges associated with using this data?
Dr. Emre Sahingur will share insights from recent research that examines how bringing in data on consumers’ experiences with rent, utility and telecom accounts may impact consumer credit scores based on a variety of profiles from those with thin files to those with damaged credit histories.American Banker Webinar
Combating Inequality with Inclusivity: Who Exactly is Credit Invisible and How are Racial Disparities Impacting Minority Homeownership Opportunities?
Join VantageScore Solutions and Morgan Stanley for a webinar based on recent research from both companies. Webinar attendees will understand the profile of consumers who are considered “credit invisibles” (i.e., those who are typically not scored using legacy credit scoring models) and the opportunity to lend to them. Presenters also will dive deep into how access to homeownership has been limited for minority borrowers and the wide impact of that disparity.Allison Bins- Morgan Stanley
James Egan- Morgan Stanley