Fintech Takes x FairPlay Presents Model Citizens Ep 2: Credit Risk Analytics in the Age of AI

In Episode 2, co-host Kareem Saleh (CEO, FairPlay) is joined by Kevin Moss (Senior Advisor, Baselayer) and Andrada Pacheco (Chief Data Scientist, VantageScore) to explore how AI is reshaping credit modeling — tracing the evolution from logistic regression to gradient boosting and beyond. They tackle the core tension between predictive power and explainability, why LLMs aren’t ready for credit decisions yet, and how fairness enforcement is shifting from federal regulators to state AGs and plaintiffs’ attorneys.