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Joseph L. Breeden, CEO of Deep Future Analytics, on the hidden math behind credit risk

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Manage episode 504512061 series 3340356
Content provided by Peter Renton. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Peter Renton or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Today, I sit down with Joe Breeden, CEO and founder of Deep Future Analytics (DFA), for what is, in effect, a two-part conversation. First we do a deep dive into credit risk management and where it is falling short today and then we discuss AI monitoring and governance and how it is going to revolutionize software.

The conversation covers why traditional machine learning models are missing critical components for accurate risk assessment and how adverse selection has dramatically impacted loan quality in recent vintages. Then Joe makes a bold prediction that software user interfaces are on the verge of a transformation that will render them unrecognizable from previous versions Curious? All is revealed in this fascinating conversation.

In this podcast you will learn:

  • How he got started with Deep Future Analytics
  • The state of credit risk management in banking today.
  • What is missing, even with fintech lenders, who are using machine learning.
  • What lenders get wrong when they focus on credit score.
  • Why loans booked since 2022 are lower quality than even 2006-07.
  • What kind of lift lenders or investors can see with DFA’s models.
  • What Joe sees in the pool of borrowers today.
  • Why DFA moved into AI monitoring and governance.
  • Who is using these new AI models they have developed.
  • Why a “human in the loop” is not an effective monitoring method.
  • What their new Strategic Recommendation Agent (SyRA) does.
  • How they incorporate Large Language Models to ensure zero hallucinations.
  • Why the future of software is dashboards on demand and analytics on demand.
  • How Deep Future Analytics is different to others in the market.
  • What it is going to take before software moves to a chat-based interface.

Connect with Fintech One-on-One:

  continue reading

599 episodes

Artwork
iconShare
 
Manage episode 504512061 series 3340356
Content provided by Peter Renton. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Peter Renton or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Today, I sit down with Joe Breeden, CEO and founder of Deep Future Analytics (DFA), for what is, in effect, a two-part conversation. First we do a deep dive into credit risk management and where it is falling short today and then we discuss AI monitoring and governance and how it is going to revolutionize software.

The conversation covers why traditional machine learning models are missing critical components for accurate risk assessment and how adverse selection has dramatically impacted loan quality in recent vintages. Then Joe makes a bold prediction that software user interfaces are on the verge of a transformation that will render them unrecognizable from previous versions Curious? All is revealed in this fascinating conversation.

In this podcast you will learn:

  • How he got started with Deep Future Analytics
  • The state of credit risk management in banking today.
  • What is missing, even with fintech lenders, who are using machine learning.
  • What lenders get wrong when they focus on credit score.
  • Why loans booked since 2022 are lower quality than even 2006-07.
  • What kind of lift lenders or investors can see with DFA’s models.
  • What Joe sees in the pool of borrowers today.
  • Why DFA moved into AI monitoring and governance.
  • Who is using these new AI models they have developed.
  • Why a “human in the loop” is not an effective monitoring method.
  • What their new Strategic Recommendation Agent (SyRA) does.
  • How they incorporate Large Language Models to ensure zero hallucinations.
  • Why the future of software is dashboards on demand and analytics on demand.
  • How Deep Future Analytics is different to others in the market.
  • What it is going to take before software moves to a chat-based interface.

Connect with Fintech One-on-One:

  continue reading

599 episodes

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