Panelist Introductions and Cash Flow Journeys

Hello, and welcome to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit.

If you’ve followed my work, you’ll know that I’m obsessed with cash flow data (and underwriting more specifically). That’s because it has enormous potential to positively reshape consumer lending in the U.S.

As banks, credit unions, and fintechs move from theory to practice, this series will chronicle how cash flow data is being put to work across the lending lifecycle.

Episode 1 sets the tone for the series, featuring a live panel I moderated at Nova Credit’s Cash Flow Underwriting Summit earlier this month. Joining me are:

• Chris McCall, Head of Consumer Credit and Pricing at Citizens Bank

• Bill Garber, SVP, Credit Policy and Analytics at Navy Federal Credit Union

• Munish Pahwa, EVP and Chief Risk Officer at Sallie Mae

We dig into how cash flow data stacks up against traditional credit data, what it means for lenders’ models, how it changes the borrower experience, the guardrails around it — and why getting a clearer view of consumers’ financial lives is vital in today’s uncertain environment.

Hope you enjoy the conversation as much as I enjoyed facilitating it!

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.

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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 Chris:

https://www.linkedin.com/in/chris-mccall-732b6b

Follow Bill:

https://www.linkedin.com/in/bill-garber-611234191/

Follow Munish:

https://www.linkedin.com/in/munish-pahwa-ph-d-2a563210/

Learn more about Nova Credit here.