Fintech Takes Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 1: How Do Credit Risk Executives Think About Cash Flow Data?
Sep 26, 2025
Chris McCall, Head of Consumer Credit and Pricing at Citizens Bank, discusses innovative cash flow datasets in retail banking. Bill Garber, SVP of Credit Policy at Navy Federal, shares insights on integrating cash flow data with credit risk management. Munish Pahwa, Chief Risk Officer at Sallie Mae, highlights the importance of cash flow signals for thin-file borrowers. Together, they explore the transformative impact of cash flow data on lending models, borrower experiences, and the challenges of ensuring compliance and accuracy in a dynamic economy.
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Cash Flow Is Complementary Credit Signal
- Cash flow data complements traditional credit bureau data as another component of a consumer's financial picture.
- It provides income and liquidity signals that static bureau snapshots often miss.
Use On-Us Data And Small Tests First
- Leverage on-us data and small-scale tests to retroactively validate cash flow attributes.
- Limit initial exposure and iterate quickly as you learn from early implementations.
Prioritize Business-Relevant Pilots
- Prioritize use cases by business relevance and potential margin impact rather than only by perceived safety.
- Start with a focused pilot (e.g., card originations) before scaling across products.