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Interpreting Distracted Versus Struggling Payment Behavior

Date Aired:3/27/2020

Duration:60 minutes


When a consumer misses a payment on existing debt, it can quickly impact their traditional credit scores. A decline in score can lead to adverse action against the consumer, including limited extension of credit, credit line decreases and even higher interest rates on existing or new loans. However, not all missed payments signal a consumer is a higher risk. At times, this can merely be an oversight. 

In this webinar, we will:
  • Reveal behavior traits indicative of struggling, potentially higher-risk consumers vs. what may be distracted behavior 
  • Provide insights for distinguishing these consumers so lenders can adjust strategies to protect against risk while engaging distracted payers appropriately

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Paul Siegfried

Senior Vice President, TransUnion

Paul Siegfried leads the financial services card line of business and is charged with product development, business development and market strategy. Prior to joining TransUnion, he managed the credit card business at Fifth Third Bank where business grew ten-fold over 12 years. Before that, he was the Midwest regional manager for sales at Visa. He is known within the industry for forming meaningful partnerships that enable business growth. Siegfried holds a bachelor’s degree in finance and marketing from Kansas State University.

Kristen Bataillon

Director, Strategic Planning


Kristen Bataillon leads strategic planning for TransUnion’s Financial Services vertical. She’s an experienced speaker and researcher with work featured in leading media outlets, such as the Wall Street Journal, Bloomberg and Forbes. Bataillon has nearly 20 years of experience working in consulting and leadership capacities for such companies as Deloitte, Allianz and Rotary International. Bataillon holds an engineering degree from the University of Illinois Urbana-Champaign, an MBA from the Kellogg School of Management at Northwestern University, and a master’s degree in analytics from the University of Chicago.

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