Affiliate Marketing For Lenders
This Podcast is for consumer lenders who want to grow their affiliate marketing programs. It’s hosted by Carlos Caro, a successful marketing agency founder and former fintech executive. Prior to founding New Market Growth, Carlos was a General Manager and Head Of Business Development at Credit Karma, Head of Customer Acquisition at Caribou, and a former leader in Capital One’s credit card business. NMG focuses on helping lenders build and optimize affiliate programs, and Carlos is here to share how to do it yourself. Subscribe to this Podcast to hear from Carlos and other industry leaders as they demystify what it takes to win the affiliate marketing game.
Episodes
You can learn more about the event and request an invitation here: The Affiliate Marketing Summit for Lenders & Publishers
September 23rd
San Francisco, CA events.thefreetoaster.com
On June 22, LendingClub became Happen Bank. Mark Elliot, Chief Customer Officer, ran point on it.
He joined the company 3 years ago and asked Scott Sanborn about the name in his very first conversation. The business had already moved from peer-to-peer lending marketplace to multi-product digital bank. The name hadn't caught up.
If you're a performance marketer who's never sat on the front line...
Nicky Senyard, CEO and Founder of Fintel Connect, has been doing digital acquisition since 2002. Her read on this wave: affiliate marketing is still a bottom of funnel conversion tactic. On today’s show, we discuss everything sitting above it.
We get into:
- Why roughly 90% of LLM citations are non-branded, and what that does to a lender's odds of getting quoted
Carlos & Nick add color to the most recent article on The Free Toaster Newsletter. https://www.thefreetoaster.com/p/nerdwallets-q2-26-earnings
They discuss NerdWallet's pivot towards insurance and the top 5 takeaways for card & personal loan marketers.
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Are you an affiliate marketing leader at a consumer lender or publisher!? If so, we have an event for you!
The Affiliate Marketing Summit For Lende...
Today, Carlos comments on the future of distribution in lending, how long it will take to get there, the key blockers along the way, and what CMOs can do now to prepare. This Pod covers his commentary from the most recent Newsletter: https://www.thefreetoaster.com/p/the-future-of-distribution-in-lending
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Are you an affiliate marketing leader at a consumer lender or publisher!? If so, we have an event for you!
...
Recently, Carlos sat on the LendAPI Podcast with Tim Li to discuss the Summit he's organizing on September 23rd in San Francisco.
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The Affiliate Marketing Summit For Lenders & Publishers
Sponsored by Experian, Engine by Gen, Prism Data, Tare.io, and EXL
San Francisco - September 23rd & 24th
The Exploratorium
150-person, curated room
Search is often just 10% of a lender's marketing mix — but Ross Cohen makes the case that it's the most powerful channel for experimentation and the best "shock absorber" when direct mail or affiliates come up short.
Ross, an advisory partner at Arica Consulting with 20+ years running search across Capital One, New York Life, FrontPoint, and Greenlight, has evaluated search agencies from every ang...
Carlos sits with Megan Bauer, Head Of Customer Success at Spinwheel, to discuss affiliate marketing & business lessons learned playing poker. ****** This episode is reposted from Spinwheel's Video Podcast - "What's Your Wheelhouse." Check out the video version here: https://www.youtube.com/watch?v=yXcLSTMLAK4
Nick and Carlos discuss an Editorial piece recently published in The Free Toaster Newsletter https://www.thefreetoaster.com/p/how-lenders-win-when-ai-calls-the
The premise of the conversation -- an LLM-based personal finance tool is going to be the most effective/useful way for consumers to shop for cards and lending products. Given that future, how should CMOs at lending companies be thinking about their long-term strategy? **...
Most lenders underestimate how long it takes to get onto a major affiliate platform. The honest answer is 6 to 12 months. Sometimes 18. If one of these channels is on your 2027 roadmap, you need to start now.
In this solo episode, Carlos breaks down the five phases that explain the timeline:
- Internal prep. Do you have a competitive product and funnel? Get your applicatio...
We've been writing about Cash Flow Underwriting lately. This week we continue the conversation. We expand on what we wrote this week in The Free Toaster Newsletter: https://www.thefreetoaster.com/p/will-llms-solve-distribution-for
***** The Free Toaster is hosting the Affiliate Marketing Summit for Lenders on September 23rd & 24th in San Francisco.
Learn more: https://events.thefreetoaster.com/
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In an October 2024 article in The Free Toaster, Carlos laid out 3 things that would unlock distribution for Cash Flow Based Lenders. In today's episode, he shares the progress we've made on all 3 fronts over the last 18 months.
https://www.thefreetoaster.com/p/where-is-the-demand-for-cash-flow-underwriting
***** The Free Toaster is hosting the Affiliate Marketing Summit for Lenders on September 23rd & 24th in San Francisco.&n...
ChatGPT just integrated Plaid, giving 200 million monthly users a personalized finance experience built on real account data.
Carlos and Nick break down what that means for affiliate marketing. Credit Karma's approval odds models (and Experian's) become foundational infrastructure. Intuit's $100M OpenAI deal puts TurboTax and Credit Karma inside the chat. Generic content sites ranking for "best travel credit cards" lose ground to r...
Jeff Keltner was the first non-founder employee at Upstart. He spent over a decade there running consumer acquisition, building the bank partnership business from zero to ten banks, and managing both sides of the affiliate marketplace. Today he hosts What the AI, a weekly podcast covering the top stories in AI with co-host Annie Delgado.
Carlos and Nick break down NerdWallet's Q1 2026 earnings, the first full read on the company since the stock dropped 32% post-print. Headline numbers look fine on the surface. $222M in revenue, 6% YoY growth, $34M in non-GAAP operating income at a 15% margin. Look one layer down and the story turns. A major insurance carrier pulled back. Small business was down 15% YoY and got zero analyst questions. And the cards business, which N...
Zak Ali runs the US business at Finder, the financial comparison site that started in Australia in 2006 and launched stateside in 2015. Lending now drives roughly 40–50% of Finder US revenue across personal loans, business loans, and earned wage access. In this conversation, Zak pulls back the curtain on how a major comparison publisher actually ...
Free Toaster co-founder Nick Madrid interviews Carlos Caro live at the Fintech Summit in NYC on April 28th.
On the heels of a Curated Table Event on April 27th (sponsored by Spinwheel), Nick bumped into Carlos at the Fintech Summit and did a short Q&A on how lenders eliminate friction from their application flows.
******
To suppo...
Rachael Olson spent years running product strategy on Discover's $6 billion personal loan business, and she joins the show to walk through a real lender's application from marketplace click all the way to the hard pull, screen by screen.
Using a hypothetical billion-dollar...
Deposits aren't loans. That sounds obvious, but the implications for affiliate marketing are anything but.
Alana Levine joins Carlos Caro to break down how affiliate marketing works on the deposit side of the house: different unit economics, different optimization cadence,...
Carlos Caro chats with Rakesh Patel, the Executive Vice President of the Experian Marketplace. For those of you not familiar with the Experian Marketplace, it got started in 2017 and it's quietly become one of the largest consumer marketplaces in the world for credit cards, personal loans, and auto insurance.
In today's episode we'll cover:
-Experian's vision to become a financial co...
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