Technology entrepreneur and data science leader with successful track record of developing analytical systems, teams, and businesses from the ground up. Co-Founder of Orchard, a pioneering data, analytics, and transaction platform that accelerated the growth and institutionalization of Online Lending during a time of massive scale. Acquired by Kabbage in 2018. Frequent writer and speaker on financial technology, consumer credit, and the future of data-driven business and its impact on society.