As Vice President of Risk and Analytics at AWL, Dr. Ron Oxom-Kinder is responsible for developing credit policy and implementing underwriting strategies to minimize credit losses, fraud prevention, new account growth, and maximizing profitability & customer lifetime value. In his previous role, Dr. Oxom-Kinder co-founded the consulting firm BioCoast Capital, providing risk management and analytics services to the finance industry. He’s had senior roles at various banks and fintechs on Wall Street including Citigroup, BNY Mellon, IBM and Bloomberg. Dr. Oxom-Kinder earned his PhD in Nuclear Physics & Engineering from the University of Illinois-Urbana and a Master’s in Finance from the University of California – Berkley.