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Kailee Costello hosts Annie Delgado, the Chief Risk Officer of Upstart. Upstart is a leading AI lending marketplace, partnering with banks and credit unions to expand access to affordable credit\n\nIn this episode you will hear about:\n- How Upstart\u2019s use of ML has evolved from a binary decision model to what is now a fully-automated loan process for the majority of their borrowers\n- Why Upstart decided not to become a chartered bank\n- How Upstart works to prevent bias in ML algorithms\n- Competitive advantage in ML underwriting\n- Annie\u2019s role as Chief Risk Officer\n- How lending processes and credit scores will evolve into the future\n- And much more!\n\nAbout Annie Delgado\n\nAnnie is the Chief Risk Officer at Upstart. As part of her role, she has built a data-driven compliance program at Upstart, navigating the regulatory environment associated with the use of AI-powered credit modeling techniques. \n\nAbout Upstart\n\nUpstart is a leading artificial intelligence (AI) lending marketplace designed to improve access to affordable credit while reducing the risk and costs of lending for our bank partners. By leveraging Upstart's AI marketplace, Upstart-powered banks can offer higher approval rates and experience lower default rates, while simultaneously delivering the digital-first lending experience their customers demand. Upstart has originated more than $33B loans, and 84% of loans are fully automated. \n\n\nFor more FinTech insights, follow us on\nWFT Medium: medium.com/wharton-fintech\nWFT Twitter: twitter.com/whartonfintech\nWFT Instagram: instagram.com/whartonfintech\nKailee\u2019s Twitter: @KaileeCostello_\nKailee\u2019s LinkedIn: https://www.linkedin.com/in/kaileecostello/