Roi Guinto serves as the Director of Analytics at Upgrade, Inc. since May 2025, focusing on building BNPL products and credit risk strategies. Previously, Roi held a series of roles at Klarna from May 2016 to April 2025, including Analytics Manager, Senior Data Analyst, Senior Marketing Analyst, Business Control Analyst, and Credit Risk Analyst, where responsibilities included developing analytics curricula, driving enterprise-level business development, overseeing P&L optimization, and designing predictive financial models. Roi's education includes a Master of Science in Technology and Policy from the Massachusetts Institute of Technology and a Bachelor of Science in Mechanical Engineering with a concentration in Aerospace from Rutgers University. Additional experience includes a Research Assistant role at MIT, an Academic Programmer position at Rutgers, and various research positions related to electroporation and video game impact studies.
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