Jacob Kay is an experienced risk management leader known for his expertise in small business credit and data analytics. He has a Bachelor's degree in Finance from Arizona State University and an MBA in Business Administration and Management from Murray State University. With his proven leadership skills, Jacob has a track record of creating a positive work environment that values employee development and long-term business initiatives. He is a former Sr. Manager - Credit Risk at Capital One, a former Manager - Credit Risk Prominent Portfolio (SMB) at American Express, and a former Manager - Risk Data Analytics (SMB) at American Express. He also worked as a Data Analyst - Risk (SMB) and a Credit Analyst - Risk (SMB) at American Express. Currently, Jacob is Head of Underwriting at Divvy Inc. and has received recognition as an expert in solving complex problems through collaboration and the use of data.