The ongoing pandemic has dramatically reshaped the consumer credit landscape as financial institutions adapt their decisioning strategies to minimize risk while responsibly facilitating access to credit for consumers. Financial institutions have had to radically rethink how they manage and mitigate risk. Well-oiled models that drive day-to-day decisions now run less smoothly due to the lack of historical precedent for a crisis of this scale. To keep pace with the rapidly changing environment, lenders must explore new approaches to accurately assess affordability and creditworthiness. In this session, Sarah Davies, Head of Risk and Analytics at Nova Credit, discusses how today’s evolving credit reporting and the new set of recent transactional tools that lenders can adopt can help expand access to credit in these uncertain times.