Unsecured Lending Risk Management: The State of Lending in the U.S. and Canada with Frank Tian

In the digital era, personal lending products emerge daily from various banks, credit unions, and fintech companies. When it comes to the U.S. and Canadian markets, it is critical to understand the full credit lifecycle of lending and risk management to remain agile and competitive. 

While the countries may share a border and many similarities, they have several significant differences. In this episode of The Lending Link, we sit down with credit risk specialist and author of Unsecured Lending Risk Management, Frank Tian, to dive deeper into how these markets have evolved over the past 20 years and delve into their discrepancies within the lending market. 

Frank and Rich also discuss a variety of topics, such as: 

  • The making of the book Unsecured Lending Risk Management 
  • The booming of Fintechs and Big Tech’s interest in banking 
  • A forecast on 2023’s economy, will it continue to improve? 
  • And examine the value of open banking data 


Show Notes: 

  • To purchase Unsecured Lending Risk Management, visit here. 
  • Are you looking to further your consumer lending education? Lending Link Listeners receive a discounted rate for Frank’s Consumer Lending Risk Management Essentials Course. Enter  GDSLink  at the time of checkout to receive the $50 off (25% discount). Learn more here.

About Frank Tian: 

Frank Tian is a seasoned risk management professional in the unsecured lending industry. His work over the past two decades has spanned the full spectrum of retail risk management, from credit strategy and risk modeling to credit systems and fraud management. Frank has held various risk positions at multiple financial institutions in the US and Canada, including Wells Fargo, MUFG Union Bank, GE Money, BMO and CIBC. He holds a Master’s Degree in Economics from the University of Ottawa and is a certified Financial Risk Manager (FRM).

Be sure to follow Frank and our host Rich on LinkedIn, and for the latest GDS Link updates and news, follow us on Twitter and LinkedIn. You can subscribe to the Lending Link on Apple PodcastsSpotifyGoogle Play, YouTube or wherever you prefer to listen to your podcasts!

Shop Front — Cam and Strick Podcast

Get Our Solution Overview


Book A Discovery Meeting

Find out if
GDS Link
can help you


Need a consultation?

Our team of
experts is
standing by


Request a Demo

From loan originations and decisioning, to customer management and beyond, GDS Link helps thousands of clients manage risk while driving growth.