James Gutierrez
On 1 show, 0 appearances, plus 1 compilation re-air not counted. The Shows tab opens the full record on each.
1shows
0appearances
8statements
0resolved
0supported
0contradicted
Everything James Gutierrez said on any show that made the record, most notable first. Each card names its show and opens the statement there.
Gutierrez: Technology companies will replace traditional banks as future primary lenders
“And I think what you're saying is banks are reeling from like all this regulatory changes, but at the same time with technology, they're just not able to keep up, and you're saying the face of the new lenders of tomorrow are more technology companies and less,…”
Gutierrez: The most valuable credit underwriting data comes from booking bad loans
“What we learned there was like, you know, that sounds great, but actually what you need to do is just book some bad loans. Because you learn a lot from the loan, you know, you just make some loans, and then as you make some bad loans, you learn a lot. So, agai…”
Gutierrez: Credit Card Act slashed addressable credit card market to 17%
“So the Credit Card Act by itself, before, ah, about 50% of households in America were part of the addressable market for credit card lending, and after the Credit Card Act, it's more around 17%.”
Gutierrez: Post-2008 regulations dropped available revolving credit by over $900 billion
“Revolving credit availability has dropped on an outstanding basis by over three hundred billion, on an available basis by over nine hundred billion.”
Gutierrez: Credit card availability to non-prime market dropped by $120B
“From 2009 to more recently, ah, there's been a reduction of about a hundred and twenty billion dollars of, Credit card availability to the subprime, nonprime market.”
Gutierrez: Lenders need roughly 1,000 defaulted loans to build a risk model
“What I kind of, you know, coalesced around was you needed about a thousand bads. So you got to basically make, you know, and if you want to have at least a starting business where it's not like 80% losses, so let's say it's 10%, That means you have to make, li…”
Gutierrez: Progreso Financiero issued over 500,000 loans with single-digit losses
“We actually lent to all of these people over 500,000 loans, and we did it with single digit losses, so we're, you know, we're pretty proud of ourselves there.”
Gutierrez: SMS proved more effective than phone calls for loan collections
“So my, ah, last company, we dealt with a lot of lower income borrowers who were primarily didn't have a computer at home, but had a mobile device, and so we used SMS very often for collections. So, you know, instead of calling somebody at one day late, we woul…”
One line per show, most statements first. The link opens James's full record on that show: the calibration, argument clarity, speaking style and every statement made there.
| Show | Role there | Eps | Statements | Record | |
|---|---|---|---|---|---|
 MADLEDGER | 0 +1 | 8 | — | full record on the MAD Podcast → |