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Articles by Matt Potere
Responsible Lending in an AI-Enabled Banking Environment
Banks are navigating a demanding landscape: tightening margins, challenges growing loan originations, complex credit risk management and heightened customer expectations. With such pressures to contend with, the smartest technology decisions start not with the tools themselves, but with the problems that matter most. Artificial intelligence (AI) should be adopted into this mindset.
What’s Next for Lending? Trends Shaping 2026 Credit Union Strategies
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Late-2025 trends: Personal loans, portfolio strength, and where lending appears headed
As economic uncertainty persists and consumer debt remains elevated, banks, credit unions, and asset managers are navigating a defining moment that calls for a balance between portfolio growth and responsible lending. Earlier this year, the industry saw how relative interest-rate stabilization, consumer financial stress, and advancements in technology could reshape lending strategies.
Leveraging Personal Loans to Drive Growth and Better Support Consumers
Today’s banking leaders are navigating rising costs, margin pressures and intensifying competition. At the same time, consumers are facing record-high credit card debt and persistent inflation which has shaken consumer confidence. In this environment, forward-looking banks have a significant opportunity to reinforce their position as trusted partners by supporting customers with smart financial solutions. Strategic personal lending has emerged as a notable opportunity.
Lending trends defining 2025 and beyond
Recent years were marked by higher interest rates, mounting consumer debt and rapid tech advancements – all presenting challenges and opportunities for banks and credit unions when it comes to lending. As we progress deeper into 2025, there are several key shifts underway and expected to persist that can guide financial institutions in fortifying their lending strategies.
Driving Smart Growth for Credit Unions: A Strategic Approach to Personal Loans
Personal loans are meaningful solutions that ease consumers’ financial stress while strengthening CUs’ own portfolios. Credit/AdobeStock The rapidly evolving financial services landscape has many credit unions reimagining their approach to member services and portfolio growth, while still anchoring on their strategic advantage: The trust of their members. This trust has allowed them to maintain strong deposit bases in recent years.
Happy Money Taps Gaurav Agarwal as Chief Credit Officer to Strengthen Risk and Analytics Leadership
Happy Money, a leading consumer finance company dedicated to empowering individuals through responsible lending, today announced the appointment of Gaurav Agarwal as its new Chief Credit Officer. In this role, Gaurav will spearhead Happy Money’s risk and analytics functions, driving strategic initiatives to optimize portfolio performance and align risk management efforts with overall business objectives.
Lending trends expected to define 2025 and beyond
Last year was marked by persistently high interest rates, mounting consumer debt and rapid tech advancements – presenting both challenges and opportunities for banks and credit unions when it comes to lending. As we progress deeper into the new year, there are several key shifts underway that can guide financial institutions in fortifying their lending strategies.
cutimes.com
Consulting November 14, 2024 - New York Women Leaders in Consulting Awards honors the industry standouts and rising stars who are making a mark within the profession.
Happy Money Appoints Matt Potere as Chief Executive Officer
Happy Money, a leading provider of unsecured lending that helps credit unions grow, today announced Matt Potere as its new Chief Executive Officer. Matt brings over 25 years of experience in the consumer finance industry, including unsecured lending and point-of-sale financing, and a proven track record of success in leading mission-driven organizations.
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