Scorenomics is a leading behavioral data and analytics firm in consumer credit that applies behavioral science to help financial institutions engage their customers, improving revenues and profits. The company's online collections platform BackOnTrack® addresses both the emotional and financial aspects of delinquency, improving payment rates of customers long term. Its online financial health platform BeyondMyScore® identifies normally declined applicants who are found to be lower risk, higher profit customers by looking beyond the standard metrics of creditworthiness.
Ed Ojdana serves as the Executive Chairman of both Scorenomics and SavvyMoney, Inc.
Prior, Ed served as CEO of Experian Interactive where he was responsible for all facets of its global internet business. He founded ConsumerInfo.com (known as FreeCreditReport.com) which was subsequently acquired by Experian.
Senior Vice President of Finance and Operations
As the Senior Vice President of Finance and Operations, Annie Cheung is responsible for the financial management, planning, reporting, and analysis for the organization and the Board of Directors.
Annie brings over 20+ years of experience in financial services, media and entertainment, event planning and production sectors. Prior to joining Scorenomics, Annie played various financial, business development and strategic roles at Bentley Meeker, Wayfare Entertainment, Showtime Networks, Lehman Brothers and McKinsey & Co.
Annie has a Master of Business Administration from New York University Stern School of Business with majors in international finance, accounting and marketing and a Master of Science in Risk Management from St. John’s University. She is also a certified CMA.
As Chief Scientist, Hutch Carpenter oversees data analytics, the development of behavioral measures and the application of Scorenomics data to achieve significantly better outcomes for clients.
Hutch brings over 20 years of experience in banking, financial technology and innovation. He has worked in credit markets with Bank of America, and built credit algorithms for scoring small businesses and sole proprietors. He also has advised clients on establishing programs that foster innovation.
Hutch holds a Bachelor degree from the University of Virginia, and an MBA from the University of Virginia Darden School.
Chief Experience Officer
Lewis Wright oversees the Creative and Technology teams.
Lewis brings 20 years of experience as an award-winning designer, leader and number nerd. Most recently, with Experian (e.g. freecreditreport.com), he managed creative for product development, top-performing advertising, user interface design, brand creation and affinity partnerships. His prior experience includes creative roles with Rent.com, eToys.com and GeoCities.com.
Lewis earned a BFA from Washington State University.
Senior Director of Engineering
As Senior Director, Rajesh Muthu is responsible for managing all aspects of technology initiatives.
Rajesh brings 15+ years of software industry experience from various verticals such as Healthcare, Entertainment, Advertisement, and Financial Services. Previously, Rajesh worked on various roles in Phunware, specifically on mobile and server-side development.
Rajesh holds a Masters Degree from California State University, Sacramento CA.
Director of Product Strategy and Management
Nic is responsible for building Scorenomics’ product offerings, which blend behavioral science, predictive data, and financial education. He also oversees some of the company’s key client relationships.
Prior to RC, Nic worked in philanthropy, investing in mission-driven social impact organizations. He also managed a non-profit start-up in the k-12 education space. He holds a BA from Harvard College.