Monday marked the first day for David Smith as president of U.S. Information Solutions (USIS) at Equifax.

In this role, Equifax said Smith will continue to drive the business unit’s post-cloud transformation growth, leveraging EFX.AI and the company’s proprietary data to create innovative solutions that bring decision intelligence to Equifax customers and help create new financial opportunities for consumers.

Smith joined Equifax from Truist Financial Corp., where he most recently served as the head of consumer lending.

“David brings more than 25 years of deep lending and credit expertise spanning the mortgage, unsecured lending, auto financing and capital markets to the role of USIS president,” Equifax CEO Mark Begor said.

“I’m energized to welcome David to the Equifax leadership team and believe that his strong end-user perspective, proven experience in product innovation and AI implementation, and commitment to the customer experience will be invaluable in powering the next phase of USIS growth,” Begor continued.

At Truist, Smith led the creation of the consumer lending division, integrating multiple businesses to drive growth and enhance the customer experience. As head of consumer lending, he was responsible for a $4 billion business spanning real estate lending, unsecured personal lending, indirect lending, and consumer capital markets.

While at Truist, Smith oversaw improvements in the usage of AI scoring models, data aggregation, and decisioning for lending to improve underwriter productivity as well as approval and loss rates.

Prior to Truist, Smith served in several leadership roles, including president of financial services at KWx, a holding company for affiliated businesses to Keller Williams Realty International.

His industry experience also includes 13 years at Citi, where he held several mortgage and retail banking leadership positions, culminating his career there as managing director, CEO and president of CitiMortgage.

“Equifax has built an unmatched cloud-native foundation for innovation that sets a new standard for the industry,” Smith said. “The company has moved well beyond a traditional credit bureau, offering a rapidly growing range of new solutions designed to give businesses the deeper insights they need to help more consumers live their financial best.

“I look forward to working with the USIS team to build on their strong execution, continue the commitment to customer-first innovation in alignment with our clients’ specific needs, and drive additional growth,” he went on to say.