Brad Pennington , CRO Prosper Marketplace. In this role, he is responsible for overseeing all of the elements of the loan product, including pricing, underwriting strategy, credit policy, verification strategy, loss-forecasting, model development, model governance and new risk product development. Brad joined Prosper in 2012 and was instrumental to the development of Prosper’s rating systems, automated strategies and cutting edge monitoring systems. He has held roles with an increasingly broad set of responsibilities during his tenure with Prosper and he brings more than 10 years of experience in risk management and applied analysis. Prior to joining Prosper, Brad was a Credit Risk consultant with Moody’s Analytics where he worked with large global and U.S. clients focusing on Economic Capital, Basel Compliance and PD, LGD and EAD model development. He began his risk career designing the automated underwriting and pricing strategies at First Equity Card; a small-business credit card specialty finance start-up. Brad obtained his B.S in Economics from the Wharton Undergraduate School where he completed a self-directed course of study, obtaining minors in Finance, Statistics, Mathematics, Econometrics and Operations Research.