Paul Kostoff

Paul Kostoff is the Co-founder and Chief Technology Officer (CTO) at Karus, Inc., a financial technology company focused on the auto finance industry.1 He holds a Master's degree in Econometrics and Data Science from Georgetown University and a Bachelor's degree in History, Political Science, and Philosophy from Xavier University.

Prior to co-founding Karus, Paul's career included roles such as:

1. AI/ML architect and advisor at Nichefire and HUNCH
2. Founder and leader of the data science team at Sphaeric.ai
3. Adjunct Professor of Economics at Golden Gate University3

Paul has also contributed to projects at Grant Thornton LLP, the City of Cincinnati, the World Bank Group, and Georgetown University. His expertise lies in implementing AI platforms across various industries, with a focus on data science and machine learning.2

At Karus, Paul is part of a team that has developed AI-powered tools for the consumer auto finance industry, including credit models for predicting default risk, price optimization, and loan optimization.12 The company's mission is to enable more efficient lending and private credit capital allocation in the auto finance sector.12