MARKET OPPORTUNITIES AND OPERATIONS TRACK: Tips to Prepare and Adapt to New Credit Scoring Models
The Federal Housing Finance Agency (FHFA) is transitioning the industry from the traditional tri-merge to an optional bi-merge credit report and incorporating two credit scoring models – FICO 10T and VantageScore 4.0. Hear from credit experts who discuss the details and impacts of the upcoming changes, including actional strategies for lenders to prepare and adapt to this significant industry transition effectively. Sponsored by FICO. Track sponsored by FICO.
Speakers
Moderator
![Photo of Shelley Leonard](https://apps.mba.org/img/Leonard_Shelley_240_240.jpg)
Shelley Leonard serves as President of Xactus, and a member of the Board of Directors. With over two decades of experience developing and delivering technology solutions to the country’s top mortgage lenders and servicers, Shelley is steering the company to drive the transformation of the mortgage verifications industry with its innovative credit and data solutions and digital technologies. Prior to joining Xactus, Shelley served as an executive at Black Knight and its predecessor businesses, where she managed multiple, complex initiatives. Most recently, she was the Chief Product and Digital Officer and she led the Servicing Technologies business including the MSP loan servicing solution. She also held multiple other senior-level positions where she managed large portfolios of end-to-end mortgage, home equity and consumer lending product offerings, envisioned and executed against strategic growth initiatives while working closely with customers and business partners throughout our industry. By successfully leading in these roles, Shelley has gained a unique perspective and significant experience in product development, sales, operations and technology. She has consistently driven exceptional growth and performance, increased market share, launched new products, expanded into adjacent markets, embarked on new partnerships and M and A activity. Shelley has received numerous mortgage industry recognition honors including Progress in Lending’s Most Powerful Women in Fintech; MReport’s Top 25 Leaders and Influencers; HousingWire’s Vanguard Award; and more. She holds a B.S. degree in Business Administration from the University of Tulsa and an M.B.A. from Jacksonville University.
Speakers
![Photo is unavailable](/ResourcePackages/MBA/assets/images/speaker-avatar.png)
Joe Zeibert has worked in the financial services and software industries for 15+ years, gaining experience at Bank of America and Ally Financial after starting his career at a boutique consulting and software firm. He is now a Vice President of Scores at FICO. Prior to joining FICO, Joe was the GM/VP of a division of a FinTech helping grow the customer base by over 100%. Before making the jump out of the banking side he was recruited to Ally Financial to help launch their brand-new Mortgage line of business and helped build it from the ground up. After the successful launch, Joe became the Senior Director of Product, Pricing, Credit & Analytics, where he managed four departments with over 40 employees.
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