The consumer lending industry is undergoing a period of great disruption driven by evolving customer expectations, technology innovation and regulatory pressures.

Dan Thain

EY Americas Consumer Lending Leader, Principal, Financial Services Business Consulting, Ernst & Young LLP

Collaborating with consumer lending leaders to drive innovation, grow their businesses and find solutions to solve key challenges. Enjoys traveling, the outdoors and sports. Married with two children.

Dan leads the Americas Consumer Lending practice. He works extensively with banks, wealth managers and other lenders to develop and implement growth strategies, improve customer experience, modernize technology solutions, drive efficiency and manage risk.

With more than 25 years of experience, Dan has a demonstrated ability to lead and support strategic transformational business and technology projects across mortgage and consumer lending products for top-tier US banks and wealth management firms.

Dan earned his BS in Mechanical Engineering from North Carolina State University.

How Dan is building a better working world

The financial services industry is seeing a tremendous amount of change as the pace of technology, innovation and evolving customer expectations continues to accelerate. Through connected ecosystems, integrated systems, automation and effective use of data, the customer experience is being transformed from a lengthy and paper-intensive process to a seamless, personalized, digitized customer experience that offers equal access to credit. Enabling our clients to realize this transformation results in improved experiences for customers and faster access to credit.

Dan's latest thinking

Why mortgage lenders should invest in home equity offerings

Mortgage lenders who invest strategically and adopt digital capabilities will capitalize on the growing demand for home equity lending. Learn more.

06 Feb 2025 Dan Thain +1

How pursuing GenAI can transform mortgage lending

By applying GenAI innovations across the lifecycle, mortgage lenders can gain a strategic advantage. Learn more.

03 Jun 2024 Sameer Gupta +1

How can financial institutions modernize their fair-lending practices?

FIs that disregard fair banking are lagging behind FIs that enhance compliance procedures, lending models and data analytics to become more compliant. Read more.

21 Dec 2023 Dan Thain

Modernize your mortgage lending platform

Banks that undergo lending platform modernization can provide customers mobile-accessed, data-driven, digital, holistic mortgage borrowing experiences. Read more.

07 Dec 2023 Dan Thain

Evaluating servicing models in the face of industry headwinds

Mortgage servicers re-evaluate their operating models, including in-house servicing, subservicing and hybrid or component servicing. Read more.

10 Jan 2023 Dan Thain +1

Which consumer lending strategies can FIs use to drive growth?

Financial institutions (FIs) are moving from single P&L-centric lending models to holistic ecosystem strategies centered on customer needs.

29 Jun 2022 Dan Thain

Mortgage lending reaches an inflection point

Know more about how mortgage lenders’ need to harness their data and leverage innovative technologies to deliver an efficient and personalized home buying experience.

30 Nov 2021 Dan Thain
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