CUSTOMER PODCAST: LendingClub

Lending is entering a new era, where underwriting can no longer rely on a single decision or fixed set of rules.

As consumer behavior and economic conditions shift, lenders need a more complete view of risk. That means going beyond bureau data to incorporate signals like cash flow, income, and real-time behavioral changes.

Leading lenders are starting to treat underwriting as a connected system. Instead of optimizing decisions in isolation, they’re connecting data, verification, fraud controls, servicing, and collections into a broader strategy.

In this conversation, Plaid Credit Product Lead Michelle Young joins LendingClub’s (soon to be Happen Bank’s) Chief Consumer Credit Officer Kiran Aware and Fintech Takes host Alex Johnson to discuss:

• the growing role of consumer-permissioned data

• the tradeoffs lenders navigate across the credit lifecycle

• how AI could make underwriting more dynamic over time