FICO has appointed Eric Lapin as vice president and head of strategy and market intelligence for its Scores business, adding a longtime mortgage and fintech executive to a leadership role at the company behind the credit scores used throughout the mortgage industry.
Lapin announced the move in a LinkedIn post, describing it as "a new and inspiring chapter" in his career.
A financial services veteran with more than 25 years of experience, Lapin's background spans mortgage lending, banking, capital markets, title insurance, fintech, credit analytics, and digital assets. Throughout his career, he has held leadership positions at FormFree, Old Republic Title, Altisource, Black Knight, First American, and Credit Suisse, among other firms.
Most recently, Lapin described his career as focused on a common principle: the importance of high-quality data in financial decision-making.
"My career has run through banking, capital markets, mortgage, title, fintech, and credit analytics, and the thread running through all of it has been the same: the quality of the underlying signal determines the quality of every decision built on top of it," he wrote.
In his new role, Lapin will help guide strategy for FICO's Scores business at a time when the mortgage industry is closely watching the evolution of credit scoring models, alternative data initiatives, and efforts to modernize the mortgage underwriting process.
"Mortgage, auto, and consumer credit decisions, securitization structures, and the institutional capital flowing through those markets all depend on whether the credit signal at the center holds up through a full cycle," Lapin wrote. "FICO is that signal."
The appointment comes as lenders, investors, regulators, and the government-sponsored enterprises continue evaluating newer scoring models and broader data sources that could expand credit access while maintaining risk controls.
According to Lapin, FICO is focused on advancing score development while increasing transparency across the credit ecosystem.
"The team is building forward from that foundation, advancing score evolution, alternative data integration, and the transparency that investors, insurers, lenders, rating agencies, and regulators need as the market modernizes," he wrote.
The role places a mortgage industry veteran at the center of many of the conversations shaping the future of credit risk assessment. Lapin has been an active voice on topics including artificial intelligence, credit innovation, alternative data, and mortgage technology, and has frequently spoken about the intersection of credit intelligence, capital markets, and lending.
"Looking forward to contributing to that work and to conversations shaping how credit intelligence evolves across the ecosystem," he wrote.
