Michelle Young
Credit Product Lead at Plaid who focuses on cash flow and consumer-permissioned data to help lenders improve underwriting, verification, and monitoring.
Best podcasts with Michelle Young
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Mar 25, 2026 • 48min
Facing Credit: Credit Underwriting as a System
Michelle Young, Plaid credit product lead who builds cash-flow and permissioned data tools. Kiran Aware, LendingClub credit chief who builds decisioning systems. They discuss treating underwriting as a full system, why cash-flow and ongoing signals matter, how lending platforms run dozens of models and experiments, and practical AI impacts on verification, fraud, and future signal generation.
