At Experian, we often say our people are our biggest superpower – and today, I’m thrilled to share that this belief has been recognised once again. Experian has been named one of the 2025 World’s Best Workplaces™ by Fortune and Great Place to Work® for the second year in a row.
This achievement reflects the culture we’ve built together – one that’s welcoming, inclusive, and rooted belonging. It’s a celebration of every colleague who brings their whole self to work, who lifts others up, and who powers opportunities for our clients, consumers, and communities.
We’ve made it our mission to create a workplace where everyone feels included, respected, and empowered. That’s why we’re proud to have earned top scores on the Corporate Equality Index and the Disability Equality Index, and to be recognised with the Outie Award for Workplace Excellence and Belonging.
These recognitions matter. But what matters most is how our people experience life at Experian. Whether it’s collaborating, innovating, or growing through world-class development of products, services and contributing to our communities, our culture is designed to help everyone thrive.
We’ve also made bold commitments to career development. Initiatives like Global Careers Week, the AI-driven performance coach Nadia, and the NextGen Forum – a global leadership development programme for emerging talent from across our regions – give our people the resources to take charge of their growth and build a “One Experian” mindset.
Being named one of the World’s Best Workplaces is a moment to celebrate but also a reminder to keep aiming higher. The world of work is evolving fast, and so are we. From embracing AI to enhancing our digital workplace experience, we’ll continue to push forward and listen to our people every step of the way.
Questions we will discuss:
- What does “retirement readiness” mean to you, and how can someone tell when they are financially ready to retire?
- Is there a magic number for retirement savings, and what factors should someone consider when setting a retirement goal?
- How can someone estimate their retirement expenses realistically?
- What are some common myths or misconceptions about how much money you need to retire?
- How should Gen Z, Millennials, and Gen Xers each approach retirement planning differently based on their stage of life?
- What are the biggest obstacles people face when trying to save for retirement, and how can they overcome them?
- How can you balance saving for retirement with paying off debt or supporting family today?
- What tools, calculators, or strategies can help people figure out if they’re on track for retirement?
- How can people prepare for unexpected costs or life changes that could impact their retirement plans?
- What’s one piece of advice you’d give someone just starting—or restarting—their retirement savings journey?
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Credit Chat
Stretching your Dollars: Practical Tips to Cut Costs and Save More
February 5, 2025 3-4 PM ET
- What does “retirement readiness” mean to you, and how can someone tell when they are financially ready to retire?
- Is there a magic number for retirement savings, and what factors should someone consider when setting a retirement goal?
- How can someone estimate their retirement expenses realistically?
Greater transparency in buy now, pay later activity is key to helping consumers build their credit histories and supporting responsible lending. We have members of the military right now right out of high school and there’s not a lot of experience managing their own money. They’re quickly thrust into a place where they don’t have a support system to do that. We have members of the military right now right out of high school and there’s not a lot of experience managing their own money. They’re quickly thrust into a place where they don’t have a support system to do that. We have members of the military right now right out of high school and there’s not a lot of experience managing their own money. They’re quickly thrust into a place where they don’t have a support system to do that. We have members of the military right now right out of high school and there’s not a lot of experience managing their own money. They’re quickly thrust into a place where they don’t have a support system to do that. We have members of the military right now right out of high school and there’s not a lot of experience managing their own money. They’re quickly thrust into a place where they don’t have a support system to do that.
Experian North AmericaScott Brown, Group President, Financial Services
Generative AI is not just a technological advancement; it is the driving force behind a revolution in the financial services industry. At the recent VentureBeat Transform conference, financial industry leaders gathered to discuss the transformative potential of Generative AI. Among the panelists was Shri Santhanam, Executive Vice President and General Manager of Software, Platforms, and AI at Experian North America. The session, titled Generative AI: Crafting Smart Solutions for Financial Services, explored how generative AI is revolutionizing the finance sector by crafting intelligent solutions to address unique industry challenges. Santhanam highlighted the significant digital transformation within financial services, driven by AI and machine learning. "Generative AI is having a profound impact on many industries, including financial services," Santhanam stated. He emphasized that AI contributes to better financial inclusion, improved risk assessment, and enhanced customer experiences. Experian's Commitment to AI Innovation Experian has been at the forefront of AI integration, leveraging advanced technologies to drive productivity and enhance customer engagement. A prime example of this commitment is the Ascend Technology Platform, which democratizes access to AI tools for clients and Experian developers. Santhanam shared insights into Experian's strategic approach to AI adoption. "We invested early in production scale and are very careful about which projects to sponsor for go-to-market. These projects must pass a bar that includes strategic alignment, customization, and regulatory compliance," he explained. Real-World Applications and Future Directions Generative AI is poised to produce significant impacts, particularly in underwriting models, pattern recognition, and automation. Santhanam noted that Experian has made considerable strides in AI integration over the past 12 to 18 months, enhancing coding and engineering productivity among the extensive team of over 2,000 engineers. Additionally, AI-powered dialogues have elevated customer engagement, demonstrating the practical benefits of these technologies. One of the standout features of Experian's approach is the balance between innovation and regulation. Santhanam emphasized the importance of breaking down silos and fostering collaboration between risk and technology teams to navigate the complexities of AI adoption in highly regulated environments. Looking Forward Experian's dedication to responsible AI is evident in its establishment of an AI academy to accelerate upskilling and promote grassroots innovation. By encouraging employees to engage with generative AI and share their successes, Experian fosters a culture of continuous learning and experimentation. As AI continues to evolve, Experian remains committed to adapting to regulatory changes while ensuring fairness, transparency, and non-discrimination in their AI applications. We see tremendous opportunities in enhancing customer engagement, expanding financial inclusion, and streamlining processes through AI. In conclusion, Shri Santhanam's participation in the VentureBeat Transform panel underscores Experian's leadership in leveraging Generative AI to drive innovation and deliver tangible benefits to businesses and consumers. The Ascend Technology Platform exemplifies Experian's commitment to harnessing the power of AI responsibly, setting a benchmark for the financial services industry.
We are thrilled to announce that Experian has been named to TIME Magazine’s inaugural "World’s Most Sustainable Companies 2024" list, a testament to our ongoing commitment to environmental stewardship and sustainability leadership. This award is granted on a comprehensive research study conducted by Statista to identify the most sustainable companies across the globe, recognizing companies that are committed to preserving the planet and ensuring future generations inherit a world rich in natural beauty and resources. Experian achieved significant milestones in our sustainability journey in just the past year alone: Our renewable energy usage increased from 62% to an impressive 75%, marking a substantial step towards our goal of maximizing sustainable energy sources. We reduced our overall energy consumption by 19%, contributing to a remarkable 75% reduction, putting us well ahead of schedule in achieving our ambitious goal of a 50% reduction in direct emissions by 2030. As our business has grown, Experian has managed to decrease the carbon intensity of our direct emissions by an impressive 35%. This achievement underscores our dedication to operational efficiency and sustainable practices across our global operations. Looking beyond our direct impact, Experian has committed to working with suppliers that also adopt science-based targets by 2029, demonstrating our influence in driving sustainability throughout our supply chain. At Experian, sustainability is not just a corporate responsibility but a core part of our business strategy. We are dedicated to advancing environmental sustainability, driving positive change in our industry, and contributing to a healthier planet for future generations. As we continue on our journey to Net Zero, we remain committed to setting new benchmarks and leading by example in corporate sustainability. For more information on our sustainability initiatives and progress, click here.
Making a real difference in the world starts with embracing Diversity, Equity, and Inclusion (DEI) and accelerating social impact. It's not just the right thing to do, but it's also key to our mission of creating a better tomorrow, together. DEI isn't just a buzzword for us; it's at the heart of everything we do. Whether it's in our sustainability strategy or our day-to-day operations, we're committed to driving positive social impact and closing the financial wealth gap in underserved communities. It starts with our people. We’re proud to share their dedication and work in this year’s Experian Power of YOU Report 2024: Driving social impact and diversity, equity and inclusion in English, Portuguese and Spanish. Within these pages, you’ll see how we foster belonging with our teammates, and champion DEI beyond the walls of Experian. From developing products like Experian Smart Money to expanding Experian Boost in the United Kingdom, and launching Advance XScore in Peru, we're dedicated to making a difference in the world around us. To that end, you’ll see we’ve also included, for the first time, our new Positive Social Impact Framework, which will reinforce and help our clients, consumers and employees further understand how we are making a difference in our communities. At Experian, we strive to build a brighter, more inclusive future – for our employees, our clients, and our communities. Together, we can make a real difference.
