
Welcome to the Consumer Credit Matters podcast, where we discuss and analyze the world of consumer credit, credit risk and finance.
| Publishes | Monthly | Episodes | 29 | Founded | 2 years ago |
|---|---|---|---|---|---|
| Number of Listeners | Category | Business | |||

John Costa spent 40 years in consumer credit and securitization — from E.F. Hutton and the first timeshare ABS deal to building Merrick Bank at CardWorks. He walks through the innovations that worked, the one that didn't survive 2008, and the bank-ch... more
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") to unpack Carvana's push into... more
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 wrong season. Someone has to ... more
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 Consumer Credit Matters, Bonnie w... more
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 assigned to a Bitcoin-backed se... more
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 explore why tracking what is ... more
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 creditors on compliance, regulation,... more
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 episode, VantageScore leaders, Rik... more
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The show centers on consumer credit, risk, and finance, featuring expert guests who discuss securitization, back-end servicing, inventory management, and credit scoring innovations. Episodes frequently tackle regulatory developments, crisis responses, and technology-driven improvements in collateral tracking, data analytics, and risk management. Notable strengths include deep dives into high-stakes case studies (e.g., Tricolor), a mix of practitioner insights from banks, rating agencies, and fintechs, and a willingness to explore both historical context and forward-looking solutions. Listeners can expect rigorous, industry-focused conversations that blend technical detail with real-world implications for lenders, servicers, regulators, and ... more
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These podcasts share a similar audience with Consumer Credit Matters:
1. The Credit Edge by Bloomberg Intelligence
2. Odd Lots
3. All-In with Chamath, Jason, Sacks & Friedberg
4. The Markets
5. GoodFellows: Conversations on Economics, History & Geopolitics
Consumer Credit Matters launched 2 years ago and published 29 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.
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Recent guests on Consumer Credit Matters include:
1. John Costa
2. Alex Hennick
3. Bonnie Seideman
4. Adam Reeds
5. Brian Terr
6. John Bedard
7. Rikard Bandebo
8. Tony Hutchinson
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