George Coutros is the Head of Product & Analytics at Clarity Services. He has more than 30 years of experience in consumer lending, risk management and analytics. He has served as an executive on both the lender and vendor sides of the business, and has consulted with many lenders about how to use data to optimize business strategies across the entire consumer credit lifecycle – from prospecting to collections, and every stage in between. George brings a unique perspective from his experience working for a diverse set of companies including a “big 3 credit bureau,” subprime credit reporting agency, prepaid processing company, traditional bank, internet bank and specialty lender. For the past 15 years, he has been focused specifically on the unbanked, underbanked and subprime consumer segment.