Sedric's Remy Rosen sits down with Annie Delgado, Chief Risk Officer at Upstart, to unpack how AI can expand access to credit while staying fair, explainable, and compliant.

Annie shares why Upstart prioritized model explainability years before it was table stakes, how to go beyond adverse-action “model forms,” and what first-principles frameworks (think the AI Bill of Rights) look like in practice.

They dig into navigating a fragmented regulatory landscape, building trust with regulators, and turning compliance into a strategic partner for product and marketing. Annie closes with pragmatic advice for leaders: show up early, come with solutions, and learn the tech. A clear-eyed look at responsible innovation in consumer finance.