Sumeet Bhalla
PenFed Credit Union SVP, Chief Lending Officer
Digital banking executive responsible for managing Consumer Banking P&L, Product Growth & Strategy, Digital Banking, and Consumer Banking Operations.
- Responsible for growing Consumer Lending by more than 300% in less than 2-years
- Developed a team of data scientist from ground up responsible for developing advanced machine learning models used for credit underwriting, fraud management, and data driven marketing
- Responsible for digital transforming of the lending business increasing automation to 90%+ and credit decision to less than 45 seconds
- Manage all aspects of Consumer Banking operations including credit underwriting/processing/funding, and loan servicing
- Regularly invited to speak at conferences on Digital Banking, Consumer Lending, and Product Strategy
2026 Agenda Sessions
How can Credit Unions win the innovation race?
Member-first. Tech-forward. Collaborative. Credit unions are surprising the industry with their digital transformation strategies, and fintech partnerships.
Hear from CU leaders pushing innovation in lending, personalization, and digital access.
Takeaways:
• See what makes CUs agile despite regulatory constraints.
• Learn how member data is driving smarter lending experiences.
• Hear real use cases of fintech partnerships in action
Monday 30 March 15:30 - 16:10 Lending
Data & Personalization
Partnerships & Ecosystem Play
UX & Customer Experience
Hear from CU leaders pushing innovation in lending, personalization, and digital access.
Takeaways:
• See what makes CUs agile despite regulatory constraints.
• Learn how member data is driving smarter lending experiences.
• Hear real use cases of fintech partnerships in action Lending US/Pacific
