{"podcast":{"title":"Data Science With Sam","slug":"data-science-with-sam-4345646","podcast_index_feed_id":4345646,"rss_url":"https://media.rss.com/data-science-with-sam/feed.xml","website_url":"https://datasciencewithsam-hub.replit.app/","image_url":"https://media.rss.com/data-science-with-sam/podcast_cover_20260727_001627_afba4f0b63c3e761e747d1e7aaa0930f.png","author":"Soumava Dey","episode_count":46,"summary":"This is an educational podcast focused on bringing academia and industry experts together in a common forum and initiate discussion geared towards data science, artificial intelligence, actuarial science and scientific research. DISCLAIMER: The views and opinions expressed in this podcast are solely those of the host(s) or guest(s) and do not necessarily reflect the policy or position of any organization. The podcast is intended to provide general educational information and entertainment purposes only. RSSVERIFY","last_synced_at":"2026-07-27T06:21:57.269474+00:00","page_url":"https://stenobird.com/podcast/data-science-with-sam-4345646"},"episode":{"title":"EP 44: Human-Centered Credit - Building Explainable AI for Lending in an Agentic World","slug":"ep-44-human-centered-credit-building-explainable-ai-for-lending-in-an-agentic-world","published_at":"2026-07-04T19:53:16+00:00","page_url":"https://stenobird.com/podcast/data-science-with-sam-4345646/ep-44-human-centered-credit-building-explainable-ai-for-lending-in-an-agentic-world","show_page_url":"https://stenobird.com/podcast/data-science-with-sam-4345646","url":"https://rss.com/podcasts/data-science-with-sam/3006404","audio_url":"https://content.rss.com/episodes/395137/3006404/data-science-with-sam/2026_07_20_13_46_50_f4b0f8bc-6e66-443c-87cf-35c83c2512ba.mp3","summary":"We are letting AI make life-changing financial decisions without requiring it to explain itself. The CFPB says 'insufficient information' is no longer an acceptable reason to deny a loan. The EU AI Act classifies credit scoring as high-risk. And more than half the US workforce - gig workers, fractional leaders, solopreneurs - is still scored by models built for a 1950s economy. Tamara Laine is the Founder and CEO of MPWR AI and an Emmy Award-winning investigative journalist turned fintech executive. Her reporting on ethical AI at Amazon and Northrop Grumman earned her an Emmy. Her work at MPWR - building explainable, policy-bound AI for the lending lifecycle - has earned her a seat in the Fintech Sandbox. IN THIS EPISODE: ▪ How Tamara's path from ballet to journalism to fintech all follows the same thread: spot a problem, find the expertise to solve it, create change ▪ Why half the US workforce is now a gig worker, creator, Gen Z worker, or thin-filed borrower - and why FICO models were never built to see them fairly ▪ What MPWR AI actually does: six policy-bound agents across the full loan lifecycle, pulling hundreds of data points to help lenders say yes more often ▪ The core architectural principle: AI does the work, deterministic models make the decisions - because LLMs can be biased and engineered to produce answers that are simply not true ▪ The two-button audit system: a decision audit and a bias audit, immediately available to any compliance team ▪ Patent-pending architecture: agents operate in defined information buckets — if the information isn't there, the system cannot answer and cannot hallucinate ▪ How MPWR measures whether it's actually expanding access: higher acquisition rates, lower defaults, reduced manual work - all benchmarked against lenders' own…","meta_description":"We are letting AI make life-changing financial decisions without requiring it to explain itself. The CFPB says 'insufficient information' is no longer an…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1306,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/data-science-with-sam-4345646/episodes/ep-44-human-centered-credit-building-explainable-ai-for-lending-in-an-agentic-world/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/data-science-with-sam-4345646/ep-44-human-centered-credit-building-explainable-ai-for-lending-in-an-agentic-world.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}