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A true problem solver, Oscar Garcia directs underwriting and portfolio loss management for BorrowWorks. His driving mission is to improve credit quality and raise profitability for our clients by leveraging data analytics and employing advanced modeling techniques. Oscar enjoys solving puzzles, so alternative lending risk management through customer solutions design is a natural fit for him. For the past 15, he successfully met these goals while serving in risk and finance leadership positions across organizations both large and small. Oscar is a proud Aggie, earning a BBA in Accounting and Finance from Texas A&M University.