James Gutierrez

0 appearances on the record.

computed by AI from the episodes · how this works → · full disclaimer →

8statements → 5claims → 0claims resolved → average certainty → average debate potential →

1 not checkable as stated how the 5 claims stand · each chip opens the sources

1 prediction · 4 assertions · 2 insights · 1 disclosure · every statement was checked. The prediction and assertions are the 5 claims: statements the public record can support or contradict. 4 are resolved, and 1 names no date, number or outcome precise enough to check. Everything else (opinions, insights, what ifs, disclosures) can never be settled by the record, so it carries no assessment.

The record, in short

What the tape says about how James argues and how the claims held up. Everything they said, and everything said about them, is in the tabs below.

Their most notable supported claim

Assertion Supported
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.”
James Gutierrez May 29, 2014 ▶ 2:07 James Gutierrez, Insikt // Data Driven #27 // May 2014 (Hosted by FirstMark Capital)

Their most notable contradicted claim

Assertion Contradicted
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%.”
James Gutierrez May 29, 2014 ▶ 1:04 James Gutierrez, Insikt // Data Driven #27 // May 2014 (Hosted by FirstMark Capital)

Expressed certainty vs assessment result

none yet certainty 1
none yet certainty 2
none yet certainty 3
50% certainty 4
100% certainty 5

weighted support: a fully supported claim counts one, a partly supported claim counts half. Each filled bar is clickable and opens exactly those claims; "none yet" means nothing said at that certainty level has resolved yet

How they sound: speaking style how? →

245 words/min while actually speaking · 41.7 um and uh per 1k words

No argument clarity score for James Gutierrez: no usable question→answer exchanges on raw tape (a fair score needs 8+). We do not score a sample that small. Roundtable and news formats yield far fewer direct exchanges than interviews.

Measured by listening to the audio itself: 4,436 words across 1 episode of raw-level tape, transcribed verbatim with every um and uh kept, each one attributed only where the alignment onto our timed stream is unambiguous. These are measurements of speaking style. We do not rank them: across this corpus, fluency and argument quality are nearly uncorrelated (ρ≈0.2), and smooth talking does not signal clear thinking. How it's measured →

Everything James Gutierrez said on the MAD Podcast that made the record, most notable first. Filter by type, assessment or year in the ledger →

Prediction Not checkable as stated
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,…”
James Gutierrez May 29, 2014 ▶ 4:52 James Gutierrez, Insikt // Data Driven #27 // May 2014 (Hosted by FirstMark Capital)
Insight
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…”
James Gutierrez May 29, 2014 ▶ 9:47 James Gutierrez, Insikt // Data Driven #27 // May 2014 (Hosted by FirstMark Capital)
Assertion Contradicted
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%.”
James Gutierrez May 29, 2014 ▶ 1:04 James Gutierrez, Insikt // Data Driven #27 // May 2014 (Hosted by FirstMark Capital)
Assertion Partly supported
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.”
James Gutierrez May 29, 2014 ▶ 1:38 James Gutierrez, Insikt // Data Driven #27 // May 2014 (Hosted by FirstMark Capital)
Assertion Supported
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.”
James Gutierrez May 29, 2014 ▶ 2:07 James Gutierrez, Insikt // Data Driven #27 // May 2014 (Hosted by FirstMark Capital)
Insight
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…”
James Gutierrez May 29, 2014 ▶ 10:46 James Gutierrez, Insikt // Data Driven #27 // May 2014 (Hosted by FirstMark Capital)
Assertion Supported
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.”
James Gutierrez May 29, 2014 ▶ 14:29 James Gutierrez, Insikt // Data Driven #27 // May 2014 (Hosted by FirstMark Capital)
Disclosure
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…”
James Gutierrez May 29, 2014 ▶ 4:25 James Gutierrez, Insikt // Data Driven #27 // May 2014 (Hosted by FirstMark Capital)

Played on the show (1)

Episodes where a recording of James Gutierrez was played rather than James taking part, or where the tape carries an address with nobody putting questions to them. Listed because the words are on the record, kept out of every score on this page because they were not said on this show. We read this off the tape: who was spoken to, who was asked something, who answered whom.

EpisodeDateOn tapeWhat it is
James Gutierrez, Insikt // Data Driven #27 // May 2014 (Hosted by FirstMark Capital) May 29, 2014 21m aired address
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