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Article: AI disruption will challenge lending decisions in coming years, Goldman exec says

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6 / 10

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A senior Goldman Sachs executive warns that uncertainty about AI's disruption of various business models will complicate lending and risk assessment for the next one to two years. This concern has spread across financial markets, affecting software stocks and asset managers.

The executive notes the disruption extends beyond software to other industries, making the underwriting process particularly challenging. The period is characterized by significant unknowns, impacting credit markets and capital-raising for companies in affected sectors.

The main topics covered are the financial sector's risk assessment challenges, AI-driven business disruption, and the resulting volatility in equity and credit markets.

Original URL

https://economictimes.indiatimes.com/tech/artificial-intelligence/ai-disruption-will-challenge-lending-decisions-in-coming-years-goldman-exec-says/articleshow/129044162.cms

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Tech-Economic Times

Published Date

2026-03-04 18:28

Fetched Date

2026-03-04 23:32

Processed Date

2026-03-04 23:33

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Present

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Uncertainty about artificial intelligence's disruption of business models will complicate lenders' decisions over how much risk to take on in the next two âyears, â a senior â Goldman Sachs executive said.
Those fears have spread across the financial system, from equity markets into credit markets and the capital-raising process for companies in that sector. Software stocks have been â selling off for âmonths, along with shares of asset managers who â have bought and lent to them. Mahesh Saireddy, co-head of the Goldman Sachs Capital Solutions Group, formed last year to finance large deals and lend to corporate clients, said the issue crossed sectors.
"It's not just âsoftware, it's other industries that are getting disrupted that will get a lot â more attention," he told the Bloomberg Invest conference in New York.
"For the next six, 12, 24 months, there's going to be a lot of unknowns. So it is going to be a challenging time to underwrite things."
Those fears have spread across the financial system, from equity markets into credit markets and the capital-raising process for companies in that sector. Software stocks have been â selling off for âmonths, along with shares of asset managers who â have bought and lent to them. Mahesh Saireddy, co-head of the Goldman Sachs Capital Solutions Group, formed last year to finance large deals and lend to corporate clients, said the issue crossed sectors.
"It's not just âsoftware, it's other industries that are getting disrupted that will get a lot â more attention," he told the Bloomberg Invest conference in New York.
"For the next six, 12, 24 months, there's going to be a lot of unknowns. So it is going to be a challenging time to underwrite things."