Experian tech chief Alex Lintner on the ethics of credit scores and what AI is doing for data brokerages.

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Experian's technology chief discusses how the credit reporting company uses AI for governance and model oversight rather than direct decision-making. He explains their federated organizational structure with 11,000 technologists, emphasizes privacy and security as core principles, and defends credit scoring systems as essential for economic access. The conversation covers AI implementation challenges, the use of small language models for detecting model drift in lending products, and tools like Experian Boost that help consumers improve credit scores using alternative payment data.

Experian’s tech chief defends credit scores: ‘We’re not Palantir’