Steven Cho

Steven Cho currently serves as the Director of Capital Markets & Treasury at EarnIn, leading initiatives in the Early Wage Access segment and successfully unlocking over $25 billion in earnings since 2024. Previously, as Head of Capital Markets & Treasurer at Future Family, Steven drove significant growth and structured over $100 million in asset-backed securities. Experience at SoFi included managing $7.5 billion in capital raises and asset-backed securitizations, while prior roles at Nomura, HSBC, Sumitomo Mitsui Banking Corporation, and Citi further developed skills in investment banking, structured finance, and client relationship management. Steven holds a Bachelor of Arts in Economics from UCLA, graduating Phi Beta Kappa and Cum Laude, and has further education from Yonsei University and East China Normal University.