Credit scores like FICO have been the backbone of lending decisions for decades — but in today’s volatile environment, lenders are finding that a score alone can’t fully explain borrower behavior or forecast what comes next. In this episode of The Allied Angle, Jack Imes (Allied Solutions) and Dr. Joseph Breeden (Deep Future Analytics) break down where traditional scoring falls short — and what lenders can do to build a more complete, forward-looking view of risk.
Together, they unpack what “borrower resilience” really means, why post-pandemic shifts have made outcomes harder to predict, and how behavioral signals, predictive modeling, and AI can help institutions move from reactive loss management to proactive portfolio strategy.
Find Dr. Breeden's books & publications here.
In this episode:
0:42 Get to know Jack Imes and Dr. Joe Breeden.
4:40 Why FICO scores are missing when it comes to measuring risk.
6:50 The trends in borrower behavior that have challenged traditional risk models.
10:56 The difference between borrower resilience and creditworthiness.
14:26 What does moving beyond scores to deeper analytics look like for FIs?
18:12 How do you get lenders to look beyond FICO to see the complete risk picture?
21:30 How AI-driven predictive modeling shifts portfolio risk management from reacting to losses to anticipating outcomes.
24:44 How lenders should approach portfolio risk management today, and what separates those who adapt from those who struggle.
29:13 Treat analytics as navigation, not automation: Key takeaways on portfolio risk management.