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Joo Kim
Director, Credit Risk at Bread
Professional Background
Joo Kim is a highly accomplished professional with a robust background in sociology, data science, and risk management. He currently holds the position of Director of Credit Risk at Bread, where he has demonstrated exceptional leadership and analytical skills in the financial technology sector. His extensive experience in credit strategy and risk assessment has made him a key player in helping the company develop innovative solutions to manage credit risk effectively.
Before taking on the Director role, Joo served as the Lead Credit Strategist and a Data Scientist at Bread. In these roles, he honed his expertise in credit analytics, employing both quantitative methods and data science techniques to drive informed decision-making and improve risk management practices. Joo's ability to analyze complex datasets and generate actionable insights has significantly contributed to Bread's strategic initiatives and overall growth.
Education and Achievements
Joo's academic journey has provided him with a solid foundation in both the social sciences and quantitative analysis. He earned his Bachelor's degree in Sociology, with a focus on Asian American Studies, from Northwestern University. His undergraduate education allowed him to explore important themes in social dynamics and cultural studies, equipping him with the analytical skills necessary to understand diverse populations.
Building on this foundation, Joo pursued a Master's degree in Quantitative Methods in the Social Sciences, with a specialization in Data Science, at Columbia University in the City of New York. This prestigious program enabled him to blend his passion for sociology with advanced technical skills in data analysis, machine learning, and statistical modeling. Joo's academic excellence and commitment to understanding complex social issues have significantly shaped his approach to data science in practical settings.
Notable Positions and Contributions
Throughout his career, Joo Kim has taken on a variety of roles that underscore his versatility and commitment to the intersection of data and social studies. Before joining Bread, he worked as a Data Science Intern at DoSomething.org, where he played a vital role in leveraging data to create youth engagement initiatives. His earlier position as a Research Analyst at the University of Southern California's Center for Research on Crime allowed Joo to contribute valuable insights into crime data analysis, helping shape public policy and community outreach programs.
In addition to his analytical roles, Joo has also worked as an Account Manager and Coordinator at Blue State Digital, where he managed client relationships and executed digital strategy projects for a range of nonprofit and advocacy organizations. His experience as a Business Analyst at CFAR further solidified his understanding of data's impact in driving strategic business decisions. Joo's early engagement in community-focused analysis and efforts during his time as a Community Analyst at campusCATALYST and as a Summer Intern at the ACLU reflect his dedication to social equity and justice initiatives.
In every position, Joo has consistently showcased his expertise in data science and risk management, contributing significantly to the organizations he has been part of. His multifaceted experience provides him with a unique perspective in developing strategies that marry social research with quantitative analysis, ensuring that data-driven decisions also consider the nuanced aspects of human behavior and societal needs.
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Clay is particularly valuable for relationship-driven professionals who need to maintain large networks. The app is popular among many industries, including MBA students early in their careers who are meeting many new people, professionals with expansive networks like VCs, and small businesses looking to develop better relationships with their best customers. Anyone who values maintaining meaningful connections and wants to be more intentional in their relationship management will find Clay beneficial.
Clay offers competitive pricing in the personal CRM market. Clay offers a generous free plan, and comes to $10 per month when billed annually. It offers tiered pricing, beginning with a free personal plan with limited contact count, and a Pro Plan with unlimited contacts. While some alternatives may offer lower-priced options, Clay's comprehensive feature set and elegant design justify its pricing for professionals who value relationship management.
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