State of Consumer Credit: How Behaviors have Shifted and Trends in US Bankcard Benchmarks

April 30, 2024 - 2 PM EST

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About the Webinar

In an era marked by volatility and evolving credit trends such as historic inflation and the rise of BNPL, credit unions must adapt to mitigate risks effectively. Join the experts at FICO in exploring how to leverage FICO Scores to enhance competitiveness while maintaining stability and compliance.  

Key Takeaways: 

  • Learn about the latest in consumer credit behaviors and score distributions since the pandemic 
  • Take a closer look at major US bankcard trends in comparison to the credit union industry, such as average card spend, balance, missed payments and more.  

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Presented By

Tommy Lee
Tommy Lee

Senior Director, FICO Scores and Predictive Analytics  | FICO® Score

Tommy Lee is a Senior Director and has been with FICO since 2003. In his current role in the Analytics and Scores Development team, Mr. Lee is an analytic reviewer for FICO® Score model developments in the U.S. and internationally. Tommy’s recent accomplishments include playing an integral part in the research, design, and development of FICO® Score 10 & FICO Resilience Index. Mr. Lee holds a B.S. in Business Administration and a B.A. in Statistics from the University of California, Berkeley. 

Leanne Marshall
Leanne Marshall

Principal Consultant, FICO Global Partners & Alliances | FICO® Score

Leanne Marshall is an experienced credit risk professional with over 16 years of hands-on knowledge and expertise in managing credit lifecycle strategy design. She is currently a Principal Consultant with FICO in North America specializing in risk segmentation, authorizations, collections, and credit line management for financial services. Leanne works regularly with credit unions and banks across the US helping to build more profitable strategies while maintaining an acceptable level of risk. Her most recent accomplishments include improving collections strategies to more effectively use digital communications in customer outreach and expanding credit availability for customers who have shown positive payment behavior. Leanne is a Colorado native who currently resides in Denver with her husband, three children and two dogs. She is a graduate from the University of Nebraska and holds a Master of Science in Statistics and a Bachelor of Science in Mathematics and Sociology.