America First Credit Union is leveraging machine learning (ML) observability to stay ahead in a competitive market by prioritizing speed and model monitoring. The credit union's Data Science Manager, Richard Woolston, emphasizes the importance of identifying proxy metrics such as drift, delinquency, and fair lending regulations to ensure portfolio health and mitigate bias. Arize AI's platform helps America First Credit Union troubleshoot issues and make data-driven decisions by providing automated alerts, feature slicing, and collaboration with product teams. As ML models become increasingly prevalent in lending, Woolston envisions a future where access to credit becomes easier for traditionally excluded groups and regulations become more streamlined through self-documenting systems.