Michael is a Senior Director of Business Analytics at 2nd Order Solutions, where he helps clients solve complex problems involving growth strategy, credit risk, and analytics. He brings deep experience across both consumer and small business lending, built through leadership roles at both high-growth fintechs and large financial institutions.

Before joining 2nd Order, Michael was Head of U.S. Lending at Lendable, where he was responsible for the company’s U.S. personal loan business. Before that, he led personal loan credit policy at OneMain Financial and served as Vice President of Marketing and Communications at the fintech Tally, where he was part of the leadership team responsible for growth, brand, and customer acquisition.

Earlier in his career, Michael spent more than a decade at Capital One in senior roles across Credit, Marketing, Product, and Risk. He worked across both consumer and small business card businesses, including leading subprime credit card acquisitions. As a Credit Officer, he was accountable for end-to-end risk outcomes, an experience that shaped how he has approached balancing growth with disciplined risk management throughout his career.

Michael holds a B.S. in Commerce from the University of Virginia, with a minor in Biology. Outside of work, he enjoys spending time with his wife, two kids, rescue dog Mahjong, and corgi Reggie. He is an enthusiastic home cook and a proud minivan owner.