Crucially, the content for Credit Strategy’s Mortgage Conference will reflect a shift in the balance of power within major lenders across this market - from sales and distribution to credit risk.
For the first time in the mortgage market, the conference will bring together both the senior professionals in charge of credit risk - whose influence on origination and product design has risen exponentially in recent years - and those in charge of sales and distribution.
The event will gather brokers and lenders to gauge what products the market is offering, understand the current sales and distribution dynamic and identify the most effective routes to market.
Speakers will tackle a range of issues including how macro changes are altering credit risk, how alternative data can be harnessed and the growth of niche mortgage solutions.
Speakers include Jeremy Duncombe, director of Legal and General Mortgage Club, Andrew Baddley-Chappell, head of policy and governance at Nationwide Building Society and Fiona Hoyle, head of consumer finance at the Finance and Leasing Association.
Many more speakers will participate in the conference including those from HSBC, Metro Bank, Precise Mortgages, the National Landlords Association and Which? Mortgage Solutions. Following an overview of the market and an address from both the Financial Conduct Authority (FCA) and chief executive of MortgageGym John Ingram, the conference will be split into two streams: Credit Risk and Product and Distribution.
Credit Risk will feature an in-depth look at how the world of risk is moving to meet changing consumer needs and attitudes. Product and Distribution will explore topics such as buy-to-let, the growth of the niche market and the future of financial advice in the face of increasing digitisation.
The day will be tied up by major lenders discussing the work their organisations are doing to close the gap between credit risk and intermediary lending.
Ingram said: "We are keen to understand how lenders are tackling their own internal challenges in gearing up for the generational shift into open banking, an online marketplace and the digital identity so that they can remain competitive in a technology-led market by enabling online distribution of their products."