Martin Kleinbard

Founder at Granular Fintech

Speaker

Martin Kleinbard is the founder of Granular Fintech, which helps fintech lenders and vendors navigate the intersections of risk, product, and policy. His career has woven through those three workstreams via roles at American Express (founding member of the Amex Personal Loans team), Bread Finance (headed Risk department through the company's acquisition by Alliance Data Systems), and the CFPB (liaised with industry and Bureau leadership in Office of Markets). A staunch proponent of cash flow underwriting, he has published papers and articles on the need for cash flow to supplement traditional credit bureau data that can be found in American Banker, Open Banker, and Fintech Takes.