Conference Day Two: Wednesday, 14th October 2020

9:00 am - 9:30 am Coffee And Registration

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John Rolfe

Head of Elders Home Loans
Elders Home Loans

KEY THEME: OPEN BANKING IN LOAN ORIGINATION

With an Open Banking just around a corner, it is important to understand what impact it is going to have on financial businesses in Australia. Some organizations find it to be a revenue growth opportunity, whether others cannot see a way to capitalize on it. Listen to industry leaders discussing that problem in detail. 
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Joanne Edwards

Chief Data and Risk Officer
Wisr

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Darren Kasehagen

Head of Third Party Banking
Bendigo and Adelaide Bank

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Chris Dyer

Head of Customer Operations
ING

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Andrew Di Giovanni

Head of Retail Credit
Macquarie Group

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Marielle Yeoh

Chief Financial Officer
PEXA

10:20 am - 11:00 am KEYNOTE SESSION: How Understanding Of Comprehensive Credit Reporting Data Streamlines Loan Origination and Supports More Responsible Lending

Joanne Edwards - Chief Data and Risk Officer, Wisr
As of July 2018, recording comprehensive credit reporting is mandatory for all credit providers. This regulatory requirement intends to support lenders in forming more comprehensive and balanced assessments of borrowers’ credit histories. Even though, comprehensive credit reporting system is seen as a positive step in the industry, lenders find is challenging to summarize and understand complex data. 

In this session, learn:
  • How to use and analyze your own internal data in order to make more responsible lending decisions
  • How access and understanding of comprehensive credit reporting allows to tailor and differentiate loan products
  • How comprehensive credit reporting identifies credit over-committal at a very early stage and allow to asses risk better
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Joanne Edwards

Chief Data and Risk Officer
Wisr

11:00 am - 11:20 am Morning Tea

KEY THEME: BROKER CHANNELS - AUTOMATION AND UNIFYING OF LOAN ORIGINATION

11:20 am - 11:50 am GROUP THINK : How To Use Technology to Build Transparent and Streamlined Loan Process To Ensure Profit Growth and Compliance

Marielle Yeoh - Chief Financial Officer, PEXA
The conference will break out into different groups to give you a chance to discuss the theme with your group members. The discussion will be led by Marielle Yeoh, a subject matter expert who will facilitate an opportunity to compare and contrast your experiences and thoughts with other groups.
 
Marielle Yeoh is a respected female leader and role model within the finance industry and technology. She has led series of integration efforts that resulted in the first national electronic conveyancing solution in the Australian Financial services. 

Discuss the following:
        How technology can help you build transparent loan origination process
        How transparent loan process help recognizing non-compliance in the early stage
        Is it possible to streamline loan origination and meet regulatory requirements at the same time?
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Marielle Yeoh

Chief Financial Officer
PEXA

11:50 am - 12:20 pm LIXI Market Standard: Living Expense Collection and Verification - How standardisation improves the customer journey

Shane Rigby - Chief Executive Officer, LIXI
Over recent years, many lenders have chosen to customise the way they categorise a customer's living expenses for affordability and serviceability calculations. This presents mortgage aggregators, software providers and brokers with a significant challenge. How can enquiries into a customer's expenses be performed and verified in order to lend responsibly when every lender on the panel demands the data to be categorised differently?

The current departure from the published standards ultimately results in a poor customer and broker experience and leaves room for serious errors.

In this session, learn:
  • How standardising living expense categories will help provide tools and processes to brokers for expense analysis making loan origination simpler and more efficient.
  • What the latest changes to the living expense categories are and why they were necessary.
  • Why previous efforts to standardise the categories were not fully adopted and why the environment is set for adoption now 
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Shane Rigby

Chief Executive Officer
LIXI

12:20 pm - 1:20 pm Lunch Break

KEY THEME: CUSTOMER ACQUISITION

1:20 pm - 1:50 pm WESTPAC CASE STUDY: How Unique Customer Value Propositions Help Acquiring New Mortgage Customers From Different Target Markets

Joel Larsen - Head of Home Ownership Engagement, Westpac
The growth of mortgage industry over the past couple of years gives customers greater choice in who thy engage with. Thisincreasingly competitive landscape forces lenders to differentiate their business in order to stand out from competition. Learn how unique customer value propositions make Westpac Group highly competitive in this increasingly competitive and complex market.

In this session, hear about:
  • How Westpac Group develops different customer value propositions for each of their brands
  • How unique customer value propositions let Westpac Group meet different target markets
  • How Westpac group enhance customer experience throughout loans lifecycles 
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Joel Larsen

Head of Home Ownership Engagement
Westpac

1:50 pm - 2:20 pm XINJA CASE STUDY: The Best Strategy to Secure High Loan Origination Volumes in the Era of Extremely Low Interest Rates

Andy Rigg - Chief Executive Officer, Xinja
Despite increased competition on the loan market, Xinja is just about to introduce personal loans and home loans for their clients. However, competition is not the only challenge Xinja is going to face. Current low interest rates means that businesses need to sell big volumes of their financial product in order to make profit. So what does Xinja have under the covers that makes it confident of its success?

In this session, learn:
  • What opportunities in the loan market Xinja has been identified by Xinja
  • How can you capitalize on the loan market in the current economy
  • Key strategies to increase sale volumes
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Andy Rigg

Chief Executive Officer
Xinja

2:20 pm - 2:40 pm Afternoon Tea

KEY THEME: CUSTOMER EXPERIENCE & PERSONALIZATION

2:40 pm - 3:20 pm Group Think : Shift In Financial Industry Model – Move From a Product Economy to An Experience Economy: Maintaining On-Going Personalized Relationships With Borrowers Pre and Post Loans Approvals

Angus Gilfillan - Chief Executive Officer, LAB 35
Despite size and business model, there is one common challenge for all lending industry: how to maintain close and ongoing relationship with a customer pre and post loan approval, in order to deliver the best customer experience. The conference will break out into different groups to give you a chance to discuss the theme with your group member. Discussion will be led by a subject matter expert who will facilitate an opportunity to compare and contrast your experiences and thoughts with other groups.
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Angus Gilfillan

Chief Executive Officer
LAB 35

1:20 pm - 1:50 pm THOUGHT LEADERSHIP SESSION - Reserved For Sponsor

3:50 pm - 4:20 pm CUA CASE STUDY: How Credit Union Australia Evaluated and Found Solutions to Improve Existing Home Lending Project

Cameron Glass - Program Director for Home Lending Transformation, CUA
Credit Union Australia recognizes a significant role that mortgage plays in an individual’s life. Such a long-term financial commitment requires lifestyle change and can cause a lot of stress. CUA puts a lot of effort to improve their home lending project in order to run it smoothly and efficiently. Cameron Glass is an expert in project delivery and specializes in project management, problem solving and product strategy. He will guide you through Home Lending Project improvement pointing out CUA’a failures and success stories

In this session learn:
  • Best practices in developing home lending product strategy
  • How to ensure changes and technology investments are well thought through
  • How to evaluate existing home lending strategies in order to identify red flags and come up with right strategies
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Cameron Glass

Program Director for Home Lending Transformation
CUA

4:20 pm - 4:30 pm Conference Closing - Remarks From The Chairperson

John Rolfe - Head of Elders Home Loans, Elders Home Loans
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John Rolfe

Head of Elders Home Loans
Elders Home Loans

4:30 pm - 4:30 pm End of Conference