Though they used to be invisible, today they might be the future of the credit market.
On this episode of The Disruptor Sessions, we’re exploring the new-to-credit (NTC) population. Though they used to be invisible, today they might be the future of the credit market.
North America host Kathy Stares (Provenir’s EVP, Americas) and TransUnion’s VP of International Research and Consulting, Nidhi Verma, discuss the immense opportunities in engaging this powerful group. Drawing from TU’s recent report on NTCs, they debunk the myths around risk, define the business case for financial inclusion, and develop a vision of what the future of financial inclusion could look like globally.
Nidhi Verma leads the customer consulting team within the innovative solutions group at TransUnion. Her team is responsible for diagnosing underlying business issues, and uncovering and imparting strategic insights from credit and alternative data assets. Previously at TransUnion, she led the U.S. financial services research and consulting group, delivering industry insights around the consumer credit marketplace. She’s spent over 14 years developing financial plans, creating strategic initiatives, and driving analytics to identify and solve business problems.
Verma held prominent positions at Discover Financial Services, Citigroup, Citi EMEA, and Fifth Third Bank where she served as CFO of the bankcard business. She received her bachelor’s and master’s degrees in commerce from the University of Delhi and an MBA in finance from Loyola University of Chicago.
Kathy Stares is the Executive Vice President of North America at Provenir, a global leader in AI-powered risk decisioning software. As a member of Provenir’s executive team, she is introducing creative account management approaches to support the company’s aggressive growth strategy.
Kathy brings more than 20 years of experience in fintech and has a deep knowledge and curiosity about risk decisioning innovation. She’s passionate about helping organizations leverage data and technology to build world-class experiences for their customers.
Prior to joining Provenir, Kathy was Chief Customer Officer at enStream, Canada’s provider of mobile verification services. Kathy received a Bachelor of Arts degree from the University of Toronto and attained the Women of Influence certificate. Kathy also volunteers for the Menttium organization.