Bernardo Martinez

Bernardo Martinez, a seasoned small business lending executive at SoFi, dives into the complexities of SMB underwriting. He discusses how outdated operations and data gaps have hindered progress but highlights how digitization is transforming the landscape. The conversation explores the benefits of integrating various transaction data for a comprehensive cash-flow picture, and he touches on the role of non-financial signals and generative AI in enhancing lending strategies. Ultimately, Bernardo emphasizes the need for banks to evolve into supportive CFO partners for SMBs.