Navigating Credit Risk in Unsecured Lending Portfolios

The Personal Loan Credit Risk Roundtable brings together credit risk executives from banks and fintechs to discuss how best to manage unsecured installment portfolios in today’s dynamic lending environment. Participants explore score migration, delinquency trends, payment behavior, and the broader economic factors influencing performance. Meetings offer candid peer exchange around strategy shifts, operational execution, and portfolio results.

This group offers significant value for risk leaders seeking peer validation and a real-time understanding of what others are seeing in the market. Members surface emerging credit signals, assess regulatory shifts, and evaluate how economic headwinds are impacting portfolio outcomes—from BNPL competition to consumer liquidity to write-off trends.

Membership includes in-person and virtual executive meetings, unlimited custom surveys, and monthly benchmark data delivered via the VIZOR platform. Benchmark topics include roll rates, score distributions, origination metrics, delinquency vintages, and more—all anonymously reported and updated monthly to reflect the latest peer performance.

Who Should Join

Executives responsible for credit risk oversight in unsecured installment lending portfolios. Common participants include heads of credit risk, consumer lending risk leaders, and senior risk officers focused on strategy, performance, and credit policy.

Why It Matters

From inflationary pressure to shifting regulatory scrutiny, unsecured personal lending is full of uncertainty. This Roundtable gives credit risk leaders the actionable peer data and real-time insights they need to manage performance with confidence.

Hot Topics

• Economic Environment: Overall KRIs and KPIs to swiftly optimize strategies in the volatile macroeconomic environment. Employment, tariffs, and geographical trends all factor into the discussion.
• Risk Environment: Credit score migration, score band performance, and default observations.
• Legal & Regulatory Environment: How the shifting state and federal regulatory landscape may impact regulatory expectations, exams, and rulemaking/supervisory postures.
• Industry Developments: Developments in other loan types such as BNPL and impact on personal loan.