Scott Eshleman, Chief Risk Officer at Dext Capital, has been a driving force in the company’s approach to credit. He helped implement machine learning and auto-decisioning models, which provide instantaneous decisions on a majority of application-only requests. This technology allows the credit team to concentrate its expertise on more complex deals while ultimately shortening turnaround times across the board.
Eshleman’s philosophy is to take a commonsense approach to risk, balancing it with the yield equation. He views technology as a key component of his team, optimizing its use before adding headcount. Technology is used to automate repetitive tasks such as reporting, credit bureau pulls and portfolio monitoring. His overarching goal since Dext’s inception has been to maximize the use of technology in every part of the business.
