Sumeet Bhalla
SVP, Consumer Chief Lending Officer PenFed Credit Union
Mr. Bhalla has over 26 years of experience in financial services and currently serves as PenFed's Senior Vice President, Consumer Chief Lending Officer. In his current role, Mr. Bhalla is responsible for managing Product P&L, Product Growth & Strategy, and Lending Operations. He drives growth at PenFed through risk and reward optimization through digital transformation, data-driven advanced modeling techniques, and partnerships. He previously served as the Chief Credit Officer and was responsible for managing risk in PenFed's loan and deposit portfolios through policy management, account administration, collections, and loss mitigation.
2025 AGENDA Sessions
Panel: Using API-Driven Fintech to Revolutionize Lending and Credit
The traditional lending and credit landscape faces significant challenges in meeting the needs of modern consumers, creating opportunities for API-driven fintech solutions to revolutionize the industry. In this session, we will explore opportunities in alternative data, the evolving regulatory landscape, and innovative credit score alternatives that are transforming consumer credit. Join this panel to learn about the benefits of cash flow underwriting and data democratization, and gain insights into how these advancements can enhance lending practices and improve access to credit.
Tuesday 11 March 09:15 - 09:55 Titian 2201A - 2301B
Value as a Service
The traditional lending and credit landscape faces significant challenges in meeting the needs of modern consumers, creating opportunities for API-driven fintech solutions to revolutionize the industry. In this session, we will explore opportunities in alternative data, the evolving regulatory landscape, and innovative credit score alternatives that are transforming consumer credit. Join this panel to learn about the benefits of cash flow underwriting and data democratization, and gain insights into how these advancements can enhance lending practices and improve access to credit.
Titian 2201A - 2301B US/Pacific
