Credit Week Q&A with Experian 

Josh Boxer, Group Project Manager at Experian, is at the heart of helping clients unlock value from data. With a hands-on role in bringing Experian’s innovations to life, Josh is passionate about showing businesses what’s possible when they move beyond what they think Experian does. As he prepares for his session at Credit Week 2025, we spoke with Josh about the role of data, regulation, and the power of AI-driven experimentation.

What are the most significant challenges facing the credit industry today?

Technology is evolving at such a pace, one key challenge is making sure your data is in a condition to keep up! Also being aware of changing regulations and requirements that might impact your data in future so that it remains fit for purpose.

What excites you most about participating in Credit Week as a speaker this year?

I’m looking forward to sharing how Experian does much more than you know us for to help businesses and lenders with improve their data.

Which session or theme at Credit Week are you most looking forward to, and why?

Hoping to make it to some round table discussions to hear some real-world insights affecting the industry.

What advice would you give to companies looking to innovate while ensuring compliance in today’s regulatory environment?

Again data is the key thing here – validate results against 3rd party data to ensure biases are not being introduced. Also test with fake data to ensure biases are being triggered by the model to ensure they can be effectively tested against with your real data.

What role does technology and/or AI play in transforming the credit industry, and how can businesses leverage it effectively?

We can’t ignore the fact that AI is increasingly becoming part of daily life – and need to prepare accordingly. Rather than fear it, embrace the possibilities it brings. It is possible to test hundreds or thousands of models to get initial results for innovative ideas, before moving forward with only the best ones.

What do you hope to take away from Credit Week 2025?

I’m looking forward to hearing how lenders are using data and how we can better develop solutions for businesses with big data ambitions.