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David Moy is an experienced professional in credit strategy and portfolio analytics, currently serving as the Credit Strategy and Portfolio Analytics Manager at Earnest since June 2015. In this role, David blends data analytics with a deep understanding of customer experience to develop impactful credit strategies that enhance customer acquisition and portfolio performance. Previously, David held the position of Head of Credit Operations, where responsibilities included scaling the underwriting operations team to support substantial growth in originations from $2 billion to $4 billion. David's earlier roles include Underwriting Team Lead and Senior Underwriter at Bright.com, as well as an Account Manager at Bank of America, where an operational focus on derivatives was also part of the experience. David earned a B.A. in Economics and Management from DePauw University in 2008.