I am the Co-founder and General Partner at Ensemblex. Ensemblex has grown to help lenders and fintechs across five continents start, scale, and adapt their businesses through expertise across the credit lifecycle. I bring four decades of lending experience across nearly every product and credit segment. At Capital One, I grew the Sub-Prime credit card business to $1B in after-tax profit, reduced cycle time for direct mail campaigns, and grew the recoveries business from breakeven to $35M profit. I later served as Capital One’s first Chief Customer Officer, where I increased net promoter scores by eight points in a single year. I co-founded Zest.AI, the first companies to apply AI underwriting to consumer finance, and served as CEO of 2Checkout, an international payments business. At Ensemblex, I co-founded two other fintechs - Coign and Gestalt. I have a BA from Columbia University and an MBA from The Wharton School.
