Credit in Focus

Delinquency is rising and confidence in traditional credit data is waning.In this episode, Carrie Coker, Senior Director of Market Planning for Servicing and Recovery, Denise Cross, Director of Consultative Solutions for Servicing and Recovery and Joe Jarpe, Senior Manager of Data Science, explore delinquency behavior, behavioral risk signals, alternative data and transiency to explain why many consumers enter collections with no recent credit delinquency. Learn how reachability, public records, credit invisibility and early warning signals are reshaping collections strategy, prioritization, compliance and recovery performance.To view the data we discuss in the episode, click here.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

As the economic landscape shifts heading deeper into 2026, lenders are navigating a more complex and uneven risk environment defined by widening financial divides, rising delinquencies, regulatory uncertainty and evolving borrower behavior.In this episode, host Zach Tondre, Director of Market Planning at LexisNexis Risk Solutions, is joined by Carrie Coker, Senior Director of Market Planning for Servicing and Recovery and Amy Crawford, Senior Director of Market Planning for Business Risk Management, to explore how U.S. lenders and servicers are adapting to today’s new risk reality.Together, they unpack the key credit risk trends shaping 2026, including:How a K‑shaped economy is driving credit demand rooted in necessity rather than growthWhy rising delinquencies are making proactive portfolio monitoring and early intervention more criticalThe downstream servicing and recovery impacts of increased credit card, BNPL and short‑term loan usageHow tariff volatility and margin pressure are affecting certain small business sectors more than othersThe growing complexity introduced by policy changes around student loans and medical debtWhy alternative data has moved from “nice to have” to essential across origination, servicing and small business lendingLearn how lenders can sharpen visibility, adapt strategies and make more confident credit decisions in a rapidly changing environment.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

In this episode, Kevin King, Vice President of U.S. Credit Markets and Neil Allen, Head of Credit Risk Strategy for UKI explore how alternative credit data is reshaping lending decisions around the world.Moderated by Stewart Watterson of Datos Insights, the conversation brings together regional perspectives to unpack key findings from the 2025 Alternative Credit Data Impact Report. Together, they examine why lenders are increasingly supplementing traditional credit data, where alternative data is delivering the greatest performance gains and how confidence in these insights continues to grow across markets.Whether you’re navigating evolving consumer behavior, addressing thin‑file populations or looking to strengthen risk management in a changing credit environment, this episode offers timely insights into where alternative data is headed and why it’s becoming a core component of modern credit decisioning.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

As the economy moves deeper into 2026, credit and collections decisions are carrying greater consequences, especially for small businesses. In this episode of Credit in Focus, Carrie Coker and Amy Crawford unpack rising consumer and SMB delinquencies, aggressive federal enforcement and the ripple effects collections can have on local economies. They explore how early-stage intervention, AI-driven propensity-to-pay models and proactive servicing can help lenders improve recoveries while supporting long-term SMB resilience.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

In this episode, we explore what “alternative data” means and why defining it matters for credit risk management around the world. Moderated by Stewart Watterson of Datos Insights, LexisNexis Risk Solutions experts Kevin King and Neil Allen discuss the growing complexity of credit data, the challenges caused by inconsistent terminology and the impact on innovation, regulation and consumer trust. The conversation introduces a standardized framework for understanding traditional credit data, alternative data, open banking data and emerging data types, with regional perspectives from the US, UKI and global markets. Gain practical insights into how clearer definitions can accelerate adoption, improve risk decisioning and support more inclusive lending outcomes.For more information and to download the Defining Alternative Data Report and supporting collateral, click here.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

As student loan repayments resume after a four-year pause, millions of Americans are feeling the financial strain and so are businesses. In this episode of Credit in Focus, host Carrie Coker, Senior Director of Market Planning, Servicing and Recovery, is joined by Andrea Bell and Andrew Henderson to unpack the ripple effects of student loan obligations on consumer behavior and credit risk management. If you’re a collections leader or credit risk professional, this episode delivers practical insights to help you navigate a rapidly changing environment. Tune in to learn how to refine segmentation, optimize workflows, and protect your portfolio as student loan repayment reshapes the credit landscape. Learn More at: Collections & Recovery: Collections Solution.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

In this episode, Zach Tondre (US) and Neil Allen (UK) dive into the global challenge of financial inclusion, especially for consumers who are new to credit.  From unbanked populations to young adults aging into credit, they explore the barriers that prevent access to financial systems and the opportunities that lie in alternative data. Hear real-world stories, market insights and how lenders can tap into hidden potential to drive growth and inclusion. Visit risk.lexisnexis.com to learn more about how alternative data can help improve credit risk decisioning at every stage of the customer lifecycle and to download the Financial Inclusion for the New to Credit ebook and supporting assets.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

In this episode, Kevin King, VP of US Credit Risk & Marketing Strategy, and Kim White, Senior Director of North America Fraud & Identity, dive deeper into the complex world of first-party fraud, building on insights from Season 1. They explore how early payment defaults (EPDs) can mask first-party fraud and why distinguishing between identity and intent-based behaviors is critical for lenders and risk managers. The episode features a case study using clustering analysis to profile EPD drivers and offers actionable strategies for isolating fraud entry points and applying friction intentionally. You’ll also learn:Why early-stage defaults are a key signal of first-party fraudHow to differentiate between identity theft, synthetic identity and identity manipulationHow to design smarter, targeted defenses that balance loss prevention, customer friction and operational efficiencyVisit risk.lexisnexis.com for more information on credit risk and fraud and identity solutions from LexisNexis Risk Solutions.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

Jim Kraus, Vice President & Principal at KS&R moderates a conversation with Hemant Deulkar, Senior Director of Market Planning and John McWilliams, Director of Consultative Solutions at LexisNexis Risk Solutions about the findings from a survey of 150 professionals responsible for customer acquisition strategy at financial institutions across the United States.In this episode, you will learn:Why data and compliance challenges are hindering customer acquisitionHow financial performance is shaping customer acquisition strategiesWhy financial institutions are increasing their marketing data investmentsVisit risk.lexisnexis.com to learn more about our customer acquisition solutions and to download the 2025 US Financial Institution Customer Acquisition Report and supporting assets.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

In this episode, Amy Crawford, Senior Director of Market Planning, and Kristin Carlson-Vinjamuri, Senior Data Scientist at LexisNexis Risk Solutions, dive into exclusive data from LexisNexis Risk Solutions revealing key shifts in the small business credit landscape including a spike in credit inquiries, rising charge-offs among small businesses, changing lender behavior across industries and more. Are these trends signs of economic resilience or early warnings of financial strain? Join us for a data-driven discussion tailored for risk professionals, lenders and business leaders seeking clarity in uncertain times. For more information on our small business credit risk solutions, click here. DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

In our season 2 premier mini-sode, Carrie Coker-Aivaliotis, Senior Director of Servicing and Recovery, Denise Cross, Director Consultative Services for LexisNexis Risk Solutions, and Missy Meggison, General Counsel and Director Auriemma Roundtables, discuss how bankruptcy filings are rising, but debt settlement is growing even faster. We explore how these trends are reshaping collections, compliance, and consumer engagement. Learn how tech, regulation, and economic pressures are driving change—and what you can do to stay ahead.Auriemma Roundtables supports Collections leaders with peer forums, benchmarking data, and industry resources. To learn more, visit: https://roundtables.us/collections/DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

In this episode, we’re joined by Robert Schrimpf, Director of Market Planning, and Craig Stokum, Senior Director of Sales, as they unpack the evolving dynamics of credit risk in the automotive industry. From the growing influence of alternative data to changing consumer behaviors and the push toward a seamless omnichannel car buying experience, this conversation offers valuable insights for lenders, dealers, and industry professionals alike.Discover how leveraging new data sources can enhance traditional credit assessment strategies and help you stay ahead in a rapidly shifting market.🔗 Learn more at risk.lexisnexis.comDISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

Wesley Smith, Senior Director of Strategy for International Credit Risk, Mauro Villarreal, Director of Market Planning for Global Digital Credit Decisioning and John McWilliams, Director of Consultative Solutions deep dive into why understanding credit risk in emerging markets is crucial for lenders in the broader financial ecosystem.  They also discuss the challenge of assessing consumers with no financial footprint and innovative tools and approaches for better credit risk assessment.Visit risk.lexisnexis.com to learn more about achieving credit risk clarity by enhancing existing assessment strategies with alternative data.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

Join Brian Christein, Senior Vertical Solutions Consultant and Kristin Carlson, Senior Data Scientist at LexisNexis Risk Solutions as they discuss industry best practices for commercial underwriting strategies and small business commercial credit health trends.Visit risk.lexisnexis.com to learn more about industry trends, customer strategies and insights into the business credit industry.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

Michael Bernard, Senior Analyst for Retail Banking at Celent moderates a conversation with Carrie Coker-Aivaliotis, Senior Director of Market Planning for Servicing and Recovery, Denise Cross, Director of Servicing and Collection Solutions and Andrea Bell, Senior Solutions Consultant about the findings and takeaways from the survey results of 155+ professionals across first- and third-party collection teams that focused on the top challenges they are facing in the market and how our team works daily with our customers to resolve their servicing and recovery challenges.Visit risk.lexisnexis.com to learn more about our servicing and recovery solutions and to download the State of Collections report and supporting assets.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

What is one of the most vexing challenges in credit risk management? First-party fraud.Kevin King, Vice President of U.S. Credit Risk, Zach Tondre, Director of Credit Risk Decisioning and Wesley Smith, Senior Director of Strategy for International Credit Risk discuss why this threat is so hard to define, difficult to identify and complex to defend against even if you spot the risk.Visit risk.lexisnexis.com to learn more about detecting first-party fraud.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

Gain a better understanding of the role alternative data plays in personalized marketing strategies.Hemant Deulkar, Senior Director of Data Driven Marketing sits down for a conversation with John McWilliams, Director of Consultative Solutions to discuss the importance of trust and personalization in driving consumer choice. They emphasize the evolving limitations of traditional credit data and the emerging opportunities presented by alternative data sources.Download the Datos New Data Perspective Whitepaper from LexisNexis® Risk Solutions to learn more.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

This episode was recorded the week of January 6, 2025.Gain insights into the top 5 credit risk trends that span the customer lifecycle that will have the biggest impact on risk managers and collection professionals heading into 2025. Kevin King, Vice President of U.S. Credit Risk, Zach Tondre, Director of Credit Risk Decisioning, Carrie Coker-Aivaliotis, Senior Director of Servicing and Recovery and Hemant Deulkar, Senior Director of Data Driven Marketing sit down for a conversation that highlights the biggest challenges, opportunities and what it will take to adapt this year. Download the 2025 Credit Trends infographic from LexisNexis® Risk Solutions to learn more.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

Unpack the ramifications globally from the 2024 Consumer Lending Confidence Report that was recently executed by Datos Insights in partnership with LexisNexis® Risk Solutions.Stewart Watterson, Strategic Advisor at Datos Insights moderates a discussion with Kevin King, Vice President of U.S. Credit Risk, Wesley Smith, Senior Director of Strategy for International Credit Risk and Neil Allen, Head of Strategy for Credit Risk in UK and Ireland to dive deeper into the survey results of 400+ respondents from financial institutions that focused on the principal challenges they are facing in the market and how they're feeling about various forms of credit data to tackle those challenges head on to capture opportunities head on. Download the 2024 Global Consumer Lending Confidence Report and supporting assets to learn more.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

Credit in Focus unpacks the global complexities of credit risk across the customer lifecycle, from marketing and origination to account management, collections and recovery. Industry experts across the globe join us to discuss actionable insights and emerging trends in credit risk management. See opportunities where others see risk.Credit in Focus is brought to you by LexisNexis® Risk Solutions. We help organizations improve outcomes across the customer lifecycle by enhancing assessment strategies with alternative data insights — giving a clearer understanding of consumer and small business credit risk.DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice.  The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.