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Upstart co-founder and CTO Paul Gu joins OPTO Sessions to explain how AI underwriting powers 92% fully automated loans and lifts conversion to approximately 24% as the AI lending marketplace returns to profitability with triple digit revenue growth. He unpacks fraud controls, the Upstart Macro Index, and expansion into HELOC and auto.

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The content in this podcast is for informational purposes only. Opto Markets LLC does not recommend any specific securities or investment strategies. Investing involves risk & investments may lose value, including the loss of principal. Past performance does not guarantee future results. Investors should consider their investment objectives and risks carefully before investing. The information provided is not an endorsement of this product and is for information and/or educational purposes only.

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Chapters

1. Introduction to Upstart & Paul's journey (00:00:00)

2. Upstart's competitive advantage (00:09:22)

3. Expanding into new markets (00:15:37)

4. What is the last 8% that is not automated? (00:18:16)

5. Q2 numbers - what's driving growth? (00:23:39)

6. Ensuring fairness in AI lending (00:28:17)

7. The future of AI in lending (00:36:01)

8. Lightning round (00:42:22)

261 episodes