As the economic landscape shifts heading deeper into 2026, lenders are navigating a more complex and uneven risk environment defined by widening financial divides, rising delinquencies, regulatory uncertainty and evolving borrower behavior.

In this episode, host Zach Tondre, Director of Market Planning at LexisNexis Risk Solutions, is joined by Carrie Coker, Senior Director of Market Planning for Servicing and Recovery and Amy Crawford, Senior Director of Market Planning for Business Risk Management, to explore how U.S. lenders and servicers are adapting to today’s new risk reality.

Together, they unpack the key credit risk trends shaping 2026, including:

• How a K‑shaped economy is driving credit demand rooted in necessity rather than growth
• Why rising delinquencies are making proactive portfolio monitoring and early intervention more critical
• The downstream servicing and recovery impacts of increased credit card, BNPL and short‑term loan usage
• How tariff volatility and margin pressure are affecting certain small business sectors more than others
• The growing complexity introduced by policy changes around student loans and medical debt
• Why alternative data has moved from “nice to have” to essential across origination, servicing and small business lending

Learn how lenders can sharpen visibility, adapt strategies and make more confident credit decisions in a rapidly changing environment.

DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice. The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.

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