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Jake Fowler

Trended Credit Data: Consumer behavioral credit trends and tools



Recent consumer credit reporting advances make trended 24-month credit history available, reshaping credit score model development and providing the latest consumer credit behavioral insights. Learn how trended credit data can help score more consumers, more accurately.


  1. The latest in credit score model development, including the benefits of trended credit data
  2. Consumer credit card usage and behavioral trends
  3. Changes in the credit card, credit score and mortgage industry landscapes



  1. Expand your lender portfolio with a more predictive and inclusive credit risk model
  2. Learn about trended credit data and the benefits of using consumer core credit management behavior over time (vs. static credit data) to make more accurate risk assessments
  3. Glean insights about consumer credit behavior, including the Millennial credit mindset

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Dr. Emre Sahingur

Dr. Emre Sahingur leads VantageScore Solution’s deep bench of seasoned data scientists. The team is most recently responsible for developing VantageScore 4.0, which is the first and only tri-bureau credit scoring model to use trended credit data and to leverage machine learning in the development of model attributes to reliably and accurately score those with limited credit histories.

Prior to VantageScore, Dr. Sahingur also served as the Chief Risk Officer for Model Risk Management at Fannie Mae in Washington D.C., where he served in several senior risk and analytics roles since 2010.
In this role, Dr. Sahingur led a team of 35 risk management professionals, with full accountability for establishing the risk appetite and framework for assessing, measuring and monitoring model risks, as well as independent review and approval of all models used across the enterprise.
Dr. Sahingur also held senior positions at Capital One Financial Services, most recently as senior director for credit risk management. While in that role he managed a spectrum of risk- and fraud-related responsibilities across the firm’s $60 billion credit card and unsecured loan operation.
Dr. Sahingur received his PH.D. in finance from the State University of New York - Buffalo and an M.B.A. from the State University of New York – Binghamton. He received a Bachelor of Science degree in industrial engineering from Istanbul Technical University in Turkey. Most recently, Dr. Sahingur completed the Executive Development Program at Harvard Business School.


11/20/2019 at 2:00 PM (EST)   |  60 minutes
11/20/2019 at 2:00 PM (EST)   |  60 minutes Please click the button to the right to join the webinar.