Martin Kleinbard
Founder of Granular Fintech and author of 'How Cashflow Data Can Diffuse the Credit Score Time Bomb'. Brings expertise in consumer finance, credit scoring, and regulatory issues.
Best podcasts with Martin Kleinbard
Ranked by the Snipd community
10 snips
Aug 29, 2025 • 57min
Fintech Takes x SOLO Presents Source of Truth Episode 2: Context is King
In this discussion, Martin Kleinbard, Founder of Granular Fintech and author of a pivotal research report, delves into the evolution of credit scoring since FICO's rise in 1995. He critiques the overreliance on credit scores, emphasizing how this can replace nuanced judgment in lending. Kleinbard highlights the importance of cash flow and product risk, revealing insights into today's lending landscape. He also addresses second-order risks and the impact of innovative finance models, reiterating that understanding context is essential for responsible lending.
9 snips
Jun 25, 2025 • 54min
Fintech Takes: Credit Scores, Cash Flow, and the Coming Trust Collapse
Martin Kleinbard, an advisor at Granular and former CFPB official, shares his expertise on the pitfalls of traditional credit scoring. He traces the origins of FICO scores and discusses how well-intentioned legislation led to over-standardization and systemic risks in lending. The conversation highlights the inadequacies of relying solely on credit scores, especially in the digital age. As AI changes the landscape, Kleinbard warns of a looming trust collapse in credit assessments, advocating for cash flow data as a more reliable alternative.
