Registration Header


Credit Behavior Shifts of Consumers in Hardship Programs

Start Date:6/30/2021

Start Time:1:00 PM CDT

Duration:75 minutes


More than a year since the outbreak of COVID-19, the outlook for economic recovery and vaccination distribution rates are positive. However, lingering effects from mitigation efforts the government and lenders implemented, such as hardship and mortgage forbearance programs, will take time to expire. Given the spectrum of financial impacts to the US consumer, a careful evaluation of those who accessed hardship programs during the pandemic is required. Even more necessary for effectively managing risk is an understanding of consumer credit behavior shifts to differentiate between consumers who temporarily needed assistance but are now back to normal, and others more severely impacted who continue to struggle. 

In this session, we’ll study consumers who accessed hardship programs during the crisis, and identify credit behavior shifts that separate low to high-risk segments which can be considered in your acquisition and account management treatments and strategies. 

If you're already registered for the Credit Behavior Shifts of Consumers in Hardship Programs webcast, click below:



Matt Komos

Vice President, Financial Services Research & Consulting


Matthew Komos leads financial services research and consulting in the U.S. and is charged with providing insights and exploring emerging trends in consumer credit. He has over 20 years of experience in lending, with a focus on risk management, growth dynamics, customer profitability, and analytically derived solutions across the full consumer lifecycle. He also has extensive experience in the business lending arena. Komos has worked within and consulted for some of the largest financial institutions in the world, as well as various startup consulting and lending firms, where he’s leveraged empirically-based solutions to solve complex business problems. Komos earned a bachelor’s degree in economics with a minor in mathematics from the University of Illinois at Champaign-Urbana, and a master’s degree in applied statistics from DePaul University. He’s a member of the Risk Management Association and teaches statistics at both the graduate and undergraduate levels.

Atsuko Watanabe

Director of Research, Financial Services Research & Consulting


Atsuko Watanabe leads the U.S. financial services research group for TransUnion. She has over 18 years of experience in financial services with primary focus on driving business transformation, growth and profitability in the credit card industry. Prior to joining TransUnion, she held key management positions at large, fast-growing companies involved in managing acquisitions, portfolio management and collections functions. Watanabe holds a bachelor’s degree in mathematics, actuarial science, from University of Nevada, Las Vegas, and a master’s degree in mathematics, applied statistics, from University of Nevada, Las Vegas.

First Name
Last Name
Email Address