Episode
FICO’s Julie May on Credit Scores, Lenders’ Choice & the Future of Risk Modeling | Jan. 26, 2026
- Published
- Jan 26, 2026
- Duration seconds
- 3073
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- https://optimal-insights.captivate.fm/episode/episode-68
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Summary
In this week’s episode of Optimal Insights , the show opens with a market update from Alex Hebner and James Cahill , highlighting current rate conditions, inflation trends, labor data, and the broader market tone shaping rate volatility and expectations. They also touch on industry conversations influencing affordability and overall mortgage activity. In the special guest segment, Jim Glennon and Mike Vough welcome Julie May , Vice President & General Manager of B2B Scores at FICO. Julie breaks down how FICO Scores are constructed, explains the differences between FICO and VantageScore, and discusses why “lenders’ choice” can introduce risk by shifting how borrowers fall into scoring tiers. She also outlines how FICO 10T, UltraFICO, and emerging data sources – trended, rental, and cash‑flow – are shaping the next generation of credit risk modeling. About Julie May Julie May, vice president and general manager of B2B Scores at FICO. In this role, she is responsible for global product and business development, delivery, and support for the FICO Score. Julie joined FICO in 2004. Over the course of her career, she has held senior roles in customer relationship management, business consulting, and strategic product management, development, and delivery. Her expertise spans enterprise software, advanced analytics, fraud management, cybersecurity, go-to-market strategy and strategic partnership development. Julie earned her B.S. in Economics from Emporia State University in Kansas. Julie’s FICO Blog: https://www.fico.com/blogs/author/julie-may Julie’s LinkedIn: https://www.linkedin.com/in/julie-may-559b4b/ ---- Optimal Insights Team: Jim Glennon, Senior Vice President of Hedging and Trading Operations Alex Hebner, Hedge Account Manager James Cahill, MSF/MSR Account Manage…