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 * 00:00Talk to me about how your business works in terms of pricing credit and
   accessing people that might want to borrow money . Sure. So we came out of
   the technology world a lot of us for ex Google and with this sort of idea
   that there's a lot of improvements that could be made into credit decisions
   and who gets access to credit and on what terms. It's been a system that has
   existed for decades in the US and has been largely unchanged and truthfully a
   far higher percentage of Americans are actually creditworthy. If the systems
   could only recognize it. So what we did is bring a lot more data to the table
   and apply kind of modern statistical techniques what's referred to as machine
   learning in order to get a much better assessment of risk related to a loan.
   What criteria are you talking about what additional boxes are you looking to
   take that traditional lenders happen. Sure. So you know we started looking at
   younger people who had thin credit files and a lot of history of using
   credit. And so they were sort of uniformly considered guilty or or risky. And
   we said no there's a lot of other information that might help you dispute
   that. For example what did they study. Where did they go to school. Where do
   they work. When industry they're in. So we began to look far beyond the
   credit information and started to look at signals of their potential for the
   future which is really the essence of what we do. We also look to understand
   the situation they're in. Are they aware of their credit score. How much are
   they looking to borrow relative to what their income is. It sort of lends
   into their situation in ways that you can do in a very automated way . How
   much of the loans that you provide now are fully automated someone can just
   go online get access to credit. Yeah we've . Today about half of our loans
   there is it's rewarded instantly the person is approved and can accept the
   loan without any uploading of documents without talking to us on the phone.
   And that's really through automation and data science that we can be sure
   they are who they say they are that their credentials are what they claim.
   And it's worked really well for us .

For YouLive TV
 * NOW PLAYING
   
   
   HOW UPSTART IS HELPING INCREASE ACCESS TO CREDIT

 * 00:58
   
   
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HOW UPSTART IS HELPING INCREASE ACCESS TO CREDIT


 * BLOOMBERG MARKETS


 * TV SHOWS

March 7th, 2018, 6:16 PM GMT

Dave Girouard, Upstart Network Inc. chief executive officer and co-founder,
talks with Bloomberg's Julia Chatterley at the GS Housing and Consumer Finance
Conference. (Source: Bloomberg)

--------------------------------------------------------------------------------

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