Top Quartile
Top Quartile
Credit, Digital Lending, and how to use data in new ways w/Jeff Keltner

Jeff Keltner joins Dan Marks in this episode of Top Quartile to discuss credit, digital lending, and how to use data in new ways to expand access to credit. Jeff is the Senior Vice President of Business Development at Upstart and has a Computer Systems Engineering Degree from Standford.


  • Upstarts background and what need it fills
  • How new data sources can expand access to credit while still managing risk
  • How the changing economy and interest rates have affected the lending marketplace
  • The impacts on demand, fixed term, fixed rate, and if they are helping demand
  • How the branch channel is changing and the role it still plays in an omni channel world
  • Trends in financing and refinancing
  • Changes in consumer behavior and upcoming technology
  • The future of digitalization and the challenges we face with it
  • Advice Jeff would have given to his younger self