Joe Breeden
Deep Future Analytics LLC CEO
Dr. Joseph L. Breeden,
CEO, Deep Future Analytics LLC (Deepfutureanalytics.com)
President, Model Risk Managers’ International Assocation (MRMIA.org)
Founder & Scientific Advisor, CALM XAI, LLC (calmx.ai)
Dr. Breeden has been designing and deploying risk management systems for loan portfolios since 1995. He founded Deep Future Analytics in 2011, which focuses on portfolio and loan-level forecasting solutions for pricing, account management, stress testing, and CECL;serving banks, credit unions, and finance companies. He is also the owner of auctionforecast.com, which predicts the values of fine wines using a proprietary database with over 4.5 million auction prices.
In 2026, Dr. Breeden founded CALM XAI, LLC to create explainable and governable language models for businesses leveraging the Concept-Aligned Language Model approach. CALM is the first LLM technology that is internally interpretable and governable during generation, surpassing the limits of prompt-engineering and guardrails, while largely eliminating jailbreaking attacks.
He is a member of the board of directors of Upgrade, a San Francisco-based FinTech;an Associate Editor for the Journal of Credit Risk, the Journal of Risk Model Validation, the Journal of Risk and Financial Management and the journal AI and Ethics;and President of the Model Risk Managers’ International Association (mrmia.org).
Dr. Breeden invented vintage analytics for lending in 1997 and created credit risk models through the 1995 Mexican Peso Crisis, the 1997 Asian Economic Crisis, the 2001 Global Recession, the 2003 Hong Kong SARS Recession, the 2007-2009 US Mortgage Crisis and Global Financial Crisis, and the COVID-19 Pandemic. These crises have provided Dr. Breeden with a rare perspective on crisis management and the analytics needs of executives for strategic decision-making. In 2018 Dr. Breeden invented Multihorizon Survival modeling, combining vintage analytics with behavior scoring using logistic regression or machine learning.
Dr. Breeden earned a Ph.D. in physics, and has published over 100 academic articles, 13 patents, and 7 books, including Redesigning Credit Risk Modeling to Achieve Profit and Volatility Targets published in 2024.
2026 Agenda Sessions
What separates winning fintech lenders from the rest?
Most lenders know when their portfolios are deteriorating, early delinquency rates tick up and quarterly vintage reports show weakness. But knowing what's causing the deterioration is another matter entirely.
In this session, you will learn the counterintuitive insights and practical methodologies that enable winning lenders to spot problems more quickly, and more importantly, know exactly what to do about them.
Takeaways:
• Why traditional metrics don’t help that much
• Why focusing solely on defaults leaves millions on the table
• Learn what gives winning lenders their edge
Tuesday 31 March 10:20 - 10:40 Lending
AI & Agentic Systems
Alternative Capital & Investment
Compliance & Regulation
Data & Personalization
Infrastructure & APIs
Partnerships & Ecosystem Play
In this session, you will learn the counterintuitive insights and practical methodologies that enable winning lenders to spot problems more quickly, and more importantly, know exactly what to do about them.
Takeaways:
• Why traditional metrics don’t help that much
• Why focusing solely on defaults leaves millions on the table
• Learn what gives winning lenders their edge Lending US/Pacific
