Karl W. is a seasoned professional in the FinTech industry with extensive experience in credit and analytics. Currently serving as the Director of Credit at Rho since June 2023, Karl previously held the role of Senior Manager in Credit at Revolut from 2020 to June 2023, where notable achievements included being an early member of the US Credit Team and successfully designing and launching credit products. Prior roles include Analytics Manager at Reach Financial, focusing on machine learning, portfolio management, and asset securitization, as well as Data Analyst/Credit Modeler at Kapitus, where contributions included small business loan analysis and portfolio strategy. Karl started a career at Accenture as a Quantitative Researcher, utilizing text mining technology for stock analysis. Academic qualifications include a Master of Science in Financial Engineering from Stevens Institute of Technology and a Bachelor of Science in Computer Science from Hangzhou Dianzi University. Additional education includes coursework from Udacity and participation in programs at Y Combinator and Northeastern University.