Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 3: Saying “Yes” to More Underserved Consumers

Hello, and welcome back to Cash Flow Conversations, a new miniseries sponsored by Nova Credit. Episode 3 is my conversation with Matt Zalubowski, Chief Commercial Officer and Chief Marketing Officer at Atlanticus, a subprime lender focused on offering credit cards and personal loans.  The challenge in this market is finding more ways to fairly and responsibly say YES. Cash flow data is proving to be a natural fit, driving about a 15% lift on top of traditional bureau data while widening the credit box without adding risk (and giving consumers better terms and pricing that go beyond a simple yes/no decision). We dig into how Atlanticus uses cash flow data to bridge the gap between prime cards and payday-style products, why affiliates like MoneyLion help reduce friction in permissioning, and how cash flow data enables smarter line sizing and pricing. Plus, some early results! I learned a lot in this conversation, and I trust you will, too. Subscribe now to catch the rest of Cash Flow Conversations as it comes. This miniseries is brought to you by Nova Credit. Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data.  The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics.  Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don’t forget to check out my YouTube page. Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Follow Matt: https://www.linkedin.com/in/mattzalubowski/ Learn more about Nova Credit here.