Hosted by William Black · 🇺🇸 US · EN · 28 episodes
Established thought leaders with verified media credentials.
Welcome to the Consumer Credit Matters podcast, where we discuss and analyze the world of consumer credit, credit risk and finance!
William Black hosts Consumer Credit Matters, a business show with 28 episodes published.
Carvana built its brand by killing the dealership. Now it's buying them. Host William Black sits down with Charlie O'Shea (President, O'Shea Advisors and the analyst who first called Carvana the "Amazon of auto retail")
There's an operational layer underneath consumer credit that most analysts never see: what actually happens to retail inventory when it doesn't sell, when a retailer goes bankrupt, or when a brand orders too much for the
Bonnie Seideman has spent thirty years inside the machinery of consumer credit — from subprime auto in 1990s Dallas to running capital markets at Capital One, Santander, GE Capital, and Synchrony. In this episode of Cons
The First Investment-Grade Bitcoin-Backed ABS — How Ledn Did ItIn February 2026, launched a groundbreaking $200 million Bitcoin-collateralized loan ABS, rated BBB- by S&P Global — the first investment-grade rating ever a
Brian Terr, who heads JD Power's Inventory Data Sales unit, joins Consumer Credit Matters to unpack how dealer inventory data intersects with auto finance, floorplan lending, and collateral accuracy. In this episode, we
Collections is often discussed from the consumer angle. In this episode, Will Black goes inside the collector side of the business with John Bedard (Bedard Law Group), who advises debt collectors, debt buyers, and credit
Mortgage credit scoring is entering a new competitive phase—raising practical questions for originators, aggregators, guarantors, and RMBS investors about calibration, comparability, and workflow adoption. In this episod
Retailers are navigating a complicated environment marked by structural shifts, uneven consumer strength, and lingering pandemic-era distortions. In this episode, retail expert Charlie O’Shea, known for his clear-eyed an
Crypto-backed lending is re-emerging as a serious funding channel — but only if lenders can meet institutional standards around collateral control, servicing, and risk management. In this episode, Emily Barron, CEO and c
In this episode of Consumer Credit Matters, host William Black talks with David Johnson (CEO) and Derek Gamble (CLO) of Vervent, the firm that stepped in as successor servicer following the Tricolor Auto bankruptcy. They
Summary: In this episode of Consumer Credit Matters, William Black sits down with Sid Siddhartha (CEO, Intain) to discuss how AI and blockchain could help prevent issues like the alleged double-pledging at Tricolor Auto.
In this episode of the Consumer Credit Matters podcast, host William Black and guest Rod Dubitsky (aka The People's Economist) discuss the recent Chapter 7 bankruptcy filing of Tricolor, a subprime auto lender. They expl
In this episode of the Consumer Credit Matters podcast, host William Black interviews Peter Jasko, CEO and co-founder of Semeris, a company focused on enhancing the efficiency of reading and analyzing legal documents in
In the structured finance world, there’s a quiet hero most folks overlook: the Backup Servicer. Until... they’re needed.In the latest episode of the Consumer Credit Matters Podcast, I sit down with Louis Geibel and Julie
In this episode of the Consumer Credit Matters podcast, host William Black engages with Sid, CEO of Intain, and Patrick Tadie, an advisory board member, to explore the transformative impact of AI and blockchain technolog
Dr. Joseph Breeden thinks the industry is long overdue for a reset. In the latest episode of the Consumer Credit Matters podcast, we dig into what’s broken—and how to fix it. With decades of experience developing models
In this episode of the Consumer Credit Matters podcast, I sat down with Steve Macy to dissect the Supreme Court's recent decision to deny certiorari in the CFPB vs. National Collegiate Student Loan Trust (NCSLT) case. Fo
In this episode of the Consumer Credit Matters podcast, I sat down with Steve Macy to dissect the Supreme Court's recent decision to deny certiorari in the CFPB vs. National Collegiate Student Loan Trust (NCSLT) case. Fo
🚘 On this latest episode of the Consumer Credit Matters podcast, I'm joined once again by the ever-insightful Charlie O'Shea, an expert on the automotive market. Together, we dive deep into Carvana's recent Q3 earnings
In this conversation, Altin Kadareja, founder of Cardo AI, shares his journey from Albania to establishing a fintech company focused on asset-based credit. He discusses the challenges and opportunities in the private cre
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Consumer Credit Matters is hosted by William Black. The show is categorised under business and has published 28 episodes.
Consumer Credit Matters has published 28 episodes.
Consumer Credit Matters regularly covers business. It sits in the business category.
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Episodes of Consumer Credit Matters average 47 minutes. a focused format where a clear narrative arc and tight preparation matter most.
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