Podcasts about lendingpoint

Identity fraud spiked 148% in 2025 as AI democratized identity fabrication. Financial institutions now face a fundamental question: Are you dealing with a real human? Heka Global is addressing this with web intelligence—analyzing digital footprints like connected applications rather than traditional signals. In this episode of BUILDERS, I sat down with Idan Bar Dov, Co-Founder & CEO of Heka Global, to explore how his company created a fourth layer in the anti-fraud stack and why legacy identity verification systems are becoming liabilities rather than assets. Topics Discussed:  The emergence of "fraud as a service" and why consumer-facing attacks replaced traditional enterprise breaches  How web intelligence works: validating identity through connected applications and digital footprints  The anti-fraud tech stack: credit bureaus, biometrics, transaction analytics, and web intelligence as distinct layers  Why heads of fraud expand budgets rather than replace vendors, and what causes solutions to get kicked out  The partnership sales model: navigating vendor management complexity and red tape in financial institutions  Why 10-person dinners and fraud simulations outperform traditional enterprise marketing  How Barclays and Cornerback backing solved the chicken-and-egg problem for a data product  Why specific fraud prevention messaging (account takeover, synthetic identities) beat investor credibility GTM Lessons For B2B Founders: Target ICP based on liability exposure, not just industry fit: Heka narrowed beyond "financial institutions" to lenders who bear immediate losses from fraud—companies like LendingPoint, Avant, and Upstart. These buyers feel the pain acutely versus institutions with reimbursement terms who can deflect liability. Idan's insight: "We need the client to feel the pain just as much as we see it. That means we want them to see the liability." Map your ICP not just by vertical or size, but by who internalizes the economic impact of the problem you solve. Frame your product as a new stack layer, not a competitive replacement: Heka positioned web intelligence as the fourth distinct layer after credit bureaus, biometrics, and transaction analytics. This became their second pitch deck slide, showing logos of each category. The result: buyers stopped comparing Heka to existing vendors and started evaluating complementary value. When entering mature markets, resist the urge to claim you're "better than X"—instead, define where you fit in the existing architecture and why that layer didn't exist before. Abandon spray-and-pray for sub-1,000 TAM markets: Heka tested Lemlist flows with targeted LLM personalization and saw zero pipeline from it. Idan's take: "When you're selling to maybe a thousand financial institutions, that's it. You can be super specific when you target them." For enterprise plays with small addressable markets, allocate zero budget to automated outbound. Focus entirely on warm introductions, relationship nurturing, and becoming known to every relevant buyer through content and community. Leverage investor networks to break data product cold-starts: Data products face a critical barrier—you need customer data to prove value, but need proven value to get customers. Heka solved this by bringing on Barclays and Cornerback as investors who vouched for the team's capability to "do magic and create a new layer." Their backing convinced risk-averse financial institutions to pilot. If building a product requiring customer data for training or validation, prioritize strategic investors who can credibly de-risk early adoption for target buyers. Build trust through teaching, not pitching: Heka hosts dinners and fraud incident simulations with ~10 heads of fraud per session. Critical detail: they never pitch Heka in these forums. Idan explained the approach focuses on "building a community around Heka and how people engage with your product and you being a thought leader while listening." In high-trust categories, educational forums where you facilitate peer learning without selling create stronger pipeline than direct pitching. Structure partnerships with active enablement and incentive alignment: Idan's key lesson: "Partnerships are not synonymous to distribution channels." Heka requires partner sales teams to join early customer conversations to learn the pitch, provides detailed API and output training, and ensures partners get extra compensation for selling non-core products. Without this, partners lack motivation to prioritize your solution. Structure partnerships as true collaborations requiring ongoing enablement investment, not passive referral channels. A/B test credibility signals versus technical specificity: Idan assumed messaging around Barclays backing would crush, while specific fraud prevention content (account takeover, synthetic identity detection) was an afterthought. The data showed 10x better response to technical specificity. The lesson: sophisticated buyers in technical categories respond to precise problem-solving over brand credibility. Test whether your audience values "who backs us" or "exactly what we do" before defaulting to investor logos and validation. //  Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

There are so many times on this show that our guests have described their customer experience efforts as living within their marketing department, and there are good reasons to practice CX in that structure. But what if we made the case that CX should exist on its own: an independent CX practice capable of working with all aspects of the organization, thus improving the customer experience at all levels? Host Steve Walker welcomes Amanda Flashner, Chief Experience Officer at LendingPoint, a financial technology platform, for a discussion on why their company invested in a separate CX function to improve the customer expeirence. Learn more about LendingPoint at https://www.lendingpoint.com/ Listen to more episodes at https://cxleaderpodcast.com/ Learn more about Walker at https://walkerinfo.com/

This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022. It is from the track: Consumer Lending: BNPL, Cards and Personal Loans - Sponsored by FICO and is titled: Beyond Transactions to Relationships: Where do Consumer Lenders Go Next?Speaking at this session are Tom Burnside, LendingPoint, David Kimball, Prosper, Matthew Bochenek, Avant, Jeffrey Meiler, Marlette Funding with Moderator: Larry Chiavaro, LPC Associates.

This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022. It is from the track: Data, Fraud and the Future of Identity - Sponsored by Prove and is titled: Frictionless Fraud Prevention: Fintech's Balancing Act. Speaking at this session are Gasan Awad, Experian, Ibo Dusi, Revolut, Ashish Gupta, LendingPoint,  with Moderator: Todd Anderson, Fintech Nexus.

This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022. It is from the track: Data, Fraud and the Future of Identity - Sponsored by Prove and is titled: How to build a risk department for the future. Speaking on this session are Lei Chen, Marcus by Goldman Sachs, Srinath Srinivasan, Ramp, Ido Lustig, Bizi, Ashish Gupta, LendingPoint with Moderator: Conor Burke, Inscribe.

AI-Driven CreditTech lending

The lending space has come a long way since the original online lending pioneers came on the scene 15 years ago. Today, so much underwriting is done instantly, disbursements can be instant (even on weekends) and the loan application experience is quick and easy. Many lenders have expanded into new product lines to keep their customers engaged. Our next guest on the Fintech One-on-One podcast is Tom Burnside, the CEO and Co-Founder of LendingPoint. Tom was last on the show back in 2018 and obviously a lot has changed since then. LendingPoint has added many products beyond the simple term loans and is one of the few consumer lenders to have expanded into business lending. Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Give us a call - 888-723-4630 Send us an email - podcast@ebay.com visit us at ebay.com/podcast   Welcome to eBay for Business! This week we welcome Justin Johnson, Manager of Global Seller Update who will share the top line seller questions from last week’s Fall Seller Update. And Devin Payne, Head of Seller Financing and Add Ons here at eBay, and Lee Chau, Executive Vice President and Head of Product at LendingPoint, announce the new eBay Seller Capital program. Griff talks with this week’s 25 Years of eBay Story sellers Quorvardis and Carlo Lawrence of QCConsigns. Finally, Brian and Griff answer your questions. To have your questions answered on our eBay for Business podcast, call us at 888 723-4630 or email us at podcast@ebay.com.  To give us feedback, please take our podcast listener survey at (https://connect.ebay.com/srv/survey/a/sellerops.podcast)   00:01 - Intro 03:52 - Sell Update Questions with Justin Johnson 14:16 - eBay Seller Capital with Devin Payne & Lee Chau 26:00 - QCconsign - 25 Seller Story Mini Series 48:34 - Q&A and Outro   New Links for Ep 108: 2020 Fall Seller Update Page - http://www.ebay.com/sellerupdate eBay Seller Capital Program - http://www.ebay.com/sellercapital QCconsign’s eBay Store - https://www.ebay.com/str/QC-Consign QCconsigns Facebook Page - https://www.facebook.com/QCconsigns QCconsigns on Instagram - @qcconsigns QCconsigns on YouTube - https://www.youtube.com/channel/UC4RWUQvMt9ySYck0eRUh2MA eBay Business Policies Page on Help and Contact - https://ebay.to/2DYmr6S Your Business Policies Dashboard - https://www.bizpolicy.ebay.com/businesspolicy/manage   Recurring Links / Phone Numbers / Hashtags Mentioned: 888-723-4630 - Call in Line  eBay Seller News Announcements - ebay.com/announcements eBay Community - ebay.com/community eBay Weekly Community Chat - ebay.com/communitychat eBay Help - ebay.com/help/home eBay Meetups - ebay.com/meetups Managed Payments on eBay - ebay.com/payments eBay for Business Podcast - ebay.com/podcast eBay Seller Center - ebay.com/sellercenter eBay Seller Hub - ebay.com/sh eBay System Status - ebay.com/sts explore.ebay.com facebook.com/eBayForBusiness eBay for Business Podcast Listener Survey - https://connect.ebay.com/srv/survey/a/sellerops.podcast #ebaypodcast

***Culdesac, the U.S.'s first, from-scratch car-free neighborhood is coming to Tempe in 2020   Ryan Johnson left Opendoor in 2018 to co-found Culdesac, which now says it's building the first from-scratch, car-free community in the US   Culdesac Tempe, a 1,000-person development set to open fall 2020, bills itself as the “world's first post-car real estate developer.” Founders Ryan Johnson and Jeff Berens say they want to provide people the option of living a car-free lifestyle. The mixed-use Culdesac Tempe neighborhood is a $140 million project, capitalized by traditional real estate investors, and will include a dog park, restaurants, market hall, grocery store, and gym, with access to a light rail that connects to downtown Tempe, the airport, and Arizona State University. 16 acres near Apache Boulevard and River Road   Culdesac has so far raised $10 million in venture capital, indicating that investors are willing to give the company a chance.       ***Gen Z FICO scores beat Millennials and Gen X The youngest generation outperforms elders despite shortest credit histories   Of the three American generations following the Baby Boomers, the youngest is doing better at managing its credit.   Gen Z, meaning people born in 1995 or later, has an average FICO score of 637, above the all-age average of 634, according to a report from LendingPoint, a consumer lending platform.   Gen X, the 1965 to 1980 generation that followed the Baby Boomers, has an average FICO score of 632, the report said. Millennials, born between 1981 and 1996, have an average FICO score of 629.   The average FICO score for Baby Boomers, born between 1946 and 1964, was 645, according to the report. The results are based on almost 5 million applications for person loans received by LendingPoint between July 2018 and July 2019.     ***Fannie Mae, Freddie Mac loan limit increases to more than $510,000 Conforming loan limit has now increased by nearly $100,000 since 2016   The Federal Housing Finance Agency announced Tuesday that it is raising the conforming loan limits for Fannie Mae and Freddie Mac to more than $510,000.   In most of the U.S., the 2020 maximum conforming loan limit will be raised to $510,400, up from 2019's level to $484,350.   This marks the fourth straight year that the FHFA has increased the conforming loan limits after not increasing them for an entire decade from 2006 to 2016.       ***Freddie Mac: Here's what to expect from the housing market in 2020 and beyond Mortgage rates should stay low, leading to another big year for refis   Just over a year ago, mortgage rates nearly hit 5%, levels that hadn't been seen since the early part of this decade. But as we get ready to move into a new decade, mortgage rates are more than a full percentage point lower than that, comfortably back in the 3-4% range.   And according to a new forecast from Freddie Mac, mortgage rates should stay that low for the rest of this year and well beyond that. In Freddie Mac's newest housing market forecast, the company's economic and housing research group states that they expect mortgage rates to remain around 3.8% for the rest of 2019 and stay at that level for all of 2020 and 2021.   As other recent forecasts and mortgage market data has shown, this year's unexpectedly low mortgage rates have driven a rise in refinances, as well as a surge in home purchases.   A recent forecast from the Mortgage Bankers Association shows that 2019 is expected to be the best year for refis since 2016, and the best year for purchase mortgages since 2006.

Welcome to the Tearsheet Podcast. I’m Zack Miller. On the heels of a closing of a $250 million credit facility, LendingPoint’s Tom Burnside joins us on the show today. The consumer lender has originated $1.4 billion in loans to individuals, targeting an underserved population of people with FICO scores in the range of 580-680. Tom talks about the growth potential in servicing this population. We also discuss the firm’s point of sale loan product and how that’s expanded their reach and broadened the definition of LendingPoint’s target borrower. Tom Burnside is my guest today on the Tearsheet Podcast.

How Technology is Driving Consumer Behavior at Point of Sale Sandeep Bhandari, Affirm Beverly Ladley, First Data Houman Motaharian, LendingPoint Audrey Kim, Square Moderator: Craig Martin, J.D. Power

CEO Roundtable: How To Gain Market Share in a Downturn Bill Parker, Rocket Loans Tom Burnside, LendingPoint David Kimball, Prosper Jeffrey Meiler, Marlette Funding Moderator: Meg Zwick, Millennium Trust

Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

One of the great things about the near prime space in online lending is that there are fewer competitors operating there. The reason is simply that it is harder to make work. There are challenges with data, pricing loans and customer acquisition costs just to name a few. The next guest on the Lend Academy […] The post Podcast 153: Tom Burnside of LendingPoint appeared first on Lend Academy.

One of the great things about the near prime space in online lending is that there are fewer competitors operating there. The reason is simply that it is harder to make work. There are challenges with data, pricing loans and customer acquisition costs just to name a few. The next guest on the Lend Academy […] The post Podcast 153: Tom Burnside of LendingPoint appeared first on Lend Academy.

Meet Kristin Slink, co-founder & Chief Product Officer of LoanHero which was just acquired by LendingPoint. In this episode we get to go into the trenches with an operator on the consumer finance tech industry.   Kristin came to San Diego on accident. She thought she was visiting San Francisco and ended up touring San Diego and fell in love while going to school on the East Coast. Immediately after college she moved straight to San Diego with no job but landed one very quickly after. In San Diego, she met her future co-founder Derek Barclay when they tried working with a multilevel marketing company but immediately fell in love with the entrepreneurial path. Six years ago made the leap of starting her first company with Derek called FirstLookApproval. “Turning browsers into buyers!” Along the way of learning the fintech space, she and Derek created LoanHero to empower merchants to bring personal financing to the point of sale. While this was Kristin’s first software business, she quickly became the product and operations owner and at one point LoanHero was doing $8M/mo in loans. LoanHero made the strategic decision to grow their product quickly by partnering with Tijuana-based Sonata Services to help beef up the software development team. They also were luckily enough to get into EvoNexus to give them a foundation while growing their first software company and meet other founders simultaneously. After a few years, the company got to the size where it was time to either raise a new round of funding or join forces to grow even faster and in early 2018, LoanHero was acquired by LendingPoint. While sadly this means Kristin is moving to Atlanta to help with the transition, we know she will be back, because San Diego.   Kristin’s favorites in San Diego: Tacos: The Taco Stand Beer: Love sours including Fall Brewing Jazz Hands (walking distance from her home in North Park) Coffee: BetterBuzz   Follow her on Instagram @KristinSlink Thanks for joining us Kristin and wishing you all the best in Atlanta! Come back soon! Thanks also to our sponsor Cox Business for their support of the San Diego tech community. Come join them on May 30th at the TechArt Night of Applied Blockchain for technical enthusiasts and leaders.

As many as 50 million Americans pass through the 600 to 700 score rang at some point in their financial lives. And in this episode of Data Drivers, Houman Motaharian, Chief Revenue Officer at LendingPoint, tells PYMNTS’ Karen Webster that all credit is not created equal in an era of low savings.https://www.pymnts.com/data-drivers/2017/how-the-credit-cycle-and-income-disparity-impact-lending-models/

As many as 50 million Americans pass through the 600 to 700 score rang at some point in their financial lives. And in this episode of Data Drivers, Houman Motaharian, Chief Revenue Officer at LendingPoint, tells PYMNTS’ Karen Webster that all credit is not created equal in an era of low savings.https://www.pymnts.com/data-drivers/2017/how-the-credit-cycle-and-income-disparity-impact-lending-models/