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
Join Kim Vogel and Dan Marks as they discuss the unique role of the board of directors in overseeing rather than executing a bank strategy. Kim serves on the board of directors for Tri Counties Bank as well as two FinTechs.
How Kim’s background in Equity Research and FinTech startups informs her perspective
The board’s role as overseer rather than management
Effective board and management interactions
How to assess and manage risk rather than try to eliminate it
Keys to successful innovation and how to create a culture of “smart innovation.”
Real world stories and examples from multiple chairs
What Kim secretly wanted to be when she grew up and the advice she would give her younger self about pursuing a board role
Sean Kouplen and Dan Marks discuss the culture of support and giving that Regent Bank has been thriving on both internally and externally, and how Sean has learned and developed his leadership strategy over the years as the Chairman and CEO at Regent Bank.
How Regent Bank has generated sustained double-digit growth
Regent’s use of technology enables their “niche is the new local” strategy
Discover which niches Regents focuses on and why
How building a culture of giving has attracted employees and customers
Sean’s top 3 lessons learned around leadership
Sean’s leadership takeaways and advice to his younger self
Ed Francis at InBank has a similar approach to leadership and generates similar results. Check it out:
Nicholas Holland and Dan Marks explore lessons learned from Nick’s perspective as a marketer and now head of product at HubSpot – a leading provider of CRM technology.
How HubSpot has grown recently
How HubSpot used the voice of their customer to inform the product and growth roadmap
How orchestration of marketing, sales, and service activities via a CRM can turbocharge growth
Omni Channel customer journeys and how to use best practices for banks and credit unions
How platforms, integrations, and ecosystems are impacting the future of technology for the front office
Nick’s top key takeaways and advice to his younger self
Tim Keith and Dan Marks provide an introduction and overview of the best practices to actually use Digital Marketing to drive tangible measurable growth. This overview comes from years of experience and analysis based on what does and doesn’t work at banks and credit unions around the country.
Highlights include:
The Digital landscape and why First Party data matters so much.
How capacity and propensity inform targeting and awareness and engagement, and drive results.
How to practically orchestrate a true omni-channel growth strategy.
How Digital marketing drives measurable results across channels both online and in branch.
How real account tracking works across channels and devices in the crazy world of people using ad blockers and click blockers.
Expanding on the role digital and omni channel play to drive action along the entire lifecycle of the buying journey from Acquisition, to relationship expansion, to retention.
Practical tips to quickly get traction at whatever stage you are in, in a digital transformation.
