One significant change in the credit industry that has impacted my job is the rise of alternative credit scoring models. These models incorporate non-traditional data, such as utility payments and rental history, to assess creditworthiness. This shift has broadened the pool of eligible borrowers, particularly benefiting those with thin credit files or limited credit histories. As a result, my role has expanded to include evaluating these alternative data sources and understanding their implications for risk management. This change has allowed us to offer credit to a more diverse range of clients while maintaining robust risk assessment standards.