Khai To is a highly experienced credit risk professional with involvement in every aspect of the credit risk lifecycle. He has gained significant experience in customer acquisition, underwriting waterfall, segmentation, account management, reactivation, payments, collections analytics and loss forecasting which has allowed him to provide valuable insights to the organisations he's worked with. Mr. To has experience working with high-profile organisations like Regional Management Corp., Cortex, and Think Finance in various risk management roles.

In addition to his extensive experience in credit risk management, Khai To holds multiple degrees. He studied MBA, International Business at University of Hawaii at Manoa; BS, Microbiology at University of Arkansas; Chinese History, Language, Politics, and Economics at East China Normal University; Chinese Language, History, and Culture at Peking University, and Genetics and Development at UT Southwestern Medical Center.

Khai To is a former Director of Portfolio Risk Management at Regional Finance, Senior Risk Manager at Cortex, and Senior Risk Analyst at Think Finance to mention a few. He has also worked as a Senior Analyst, Sales Analytics and Reporting at First Command Financial Planning; Analyst, Global Wealth and Investment Management at Bank of America Merrill Lynch; Financial Analyst Intern at Bank of China, and a Hedge Fund Associate Intern, Pharmaceuticals Sector at Akamai Capital. The breadth and depth of his professional experience demonstrate Mr. To's commitment to his profession and his eagerness to learn and grow.