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Dave Sojka

Dave Sojka

Senior Advisor

About the Author

About the Author

Dave Sojka has over 25 years of experience in Consumer Credit Risk working at institutions such as Household International, CitiCards, Alliant Credit Union, and Check into Cash. He also spent time as an analytics consultant at TransUnion. During his time at Equifax as a Senior Advisor, Dave led the development of the Risk Diagnostic framework that is currently being deployed across all of our financial services teams. Dave holds an MBA with a focus in Marketing from Benedictine University.

Recent Articles by this Author

Recent Articles

Market Trends Bracing for Impact: Navigating the Shifting Tides of Student Loan Repayment

The landscape of consumer credit is undergoing a significant transformation, largely driven by the resumption of federal student loan de [...]

March 11, 2025
Webinar
Market Trends Economic Outlook 2025: Inflation, Jobs, and Market Trends

Less than a month into President Trump’s second term, businesses, economists and consumers all are trying to navigate his flurry of earl [...]

February 19, 2025
Podcast
Consumer Credit January 2025 Key Consumer Credit Insights

During our first Market Pulse webinar of the year, Equifax Advisor Dave Sojka explained current consumer credit trends as we head into [...]

February 05, 2025
Webinar
Market Trends How the Fed’s Interest Rate Cuts are Impacting Consumers and Lenders

When the Federal Reserve lowered interest rates by 50 basis points in September, it was the first cut since the early days of the COVID [...]

October 18, 2024
Podcast
Credit Risk How AI is Transforming Traditional Credit Scoring & Lending

Artificial Intelligence (AI) is all the rage right now. At a recent conference that I attended, a guest speaker was asked, “What’s the f [...]

May 07, 2024
Market Trends How Lenders Can Harness Alternative Data to Help Overcome Today’s Economic Challenges

Increasing inflation, rising interest rates and stagnant incomes have made borrowing more expensive and meeting financial commitments more [...]

January 08, 2024
Credit Risk What Does Consumer Financial Stress Mean for Lenders? We Offer 4 Tips.

The warning signs are all around us: many consumers are financially stressed. Already, consumers are getting squeezed by high inflation [...]

November 01, 2023
Credit Risk How the Financial Industry can Assess Risk as Federal Student Loan Payments Restart

  Millions of consumers will have to budget for another monthly payment in October. That’s when the federal student loan [...]

July 27, 2023
Market Trends Look Back at 2022 and Focus on Forward in 2023

With 2022 almost in the books, the US economy is still experiencing pandemic whiplash and general economic uncertainty. We’ve been chall [...]

January 03, 2023
Webinar
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