Chad Kuhse, US Head of Retail Credit at DLL, is a leader in advancing the company’s approach to credit and risk. He emphasizes identifying higher-risk business segments that require more attention, which allows for focused risk management without disrupting the business flow. Kuhse leverages data-driven decision-making, using historical performance analysis and predictive tools for a comprehensive “through the cycle” underwriting approach. Data and technology are central to his philosophy, especially given the high volume of small ticket applications at DLL. The company is also embracing emerging technologies like AI and automation to support underwriting across all ticket sizes, which streamlines risk evaluation and allows underwriters to focus on thoughtful decisions rather than excessive documentation. This strategic use of technology helps DLL make smarter decisions and keep the business resilient.
