Key Credit Risk
Trends and Industry Best Practices

Nataly Defreitas, Director and Credit Risk Lead in VCA Risk Practice, Visa 

Joseph “Dan” Kreis, Senior Advisor in VCA Risk Practice, Visa

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In today's rapidly evolving credit environment, issuers face the challenge of balancing portfolio growth, member needs, and risk management amid changing economic conditions and consumer behaviors. This session will explore key credit risk trends shaping the industry and highlight practical leading practices across consumer underwriting and credit line management. Attendees will gain insights into how leading financial institutions are adapting credit strategies, refining risk decisioning, leveraging data and analytics, and optimizing credit line management programs to drive sustainable growth while maintaining prudent risk controls, positioning their organizations for success in an increasingly dynamic market.