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Joe Wang is currently the Chief Risk Officer at Kafene. Prior to this, they were the Senior Managing Director/ Risk Officer at OneMain Financial from July 2019 to December 2021. At OneMain Financial, Joe was responsible for risk management and pricing optimization for unsecured and secured personal loans across subprime and mid-prime consumers.

Before OneMain Financial, Joe worked at JPMorgan Chase & Co. from January 2010 to July 2019 as the Risk Executive- Head of Acquisition/Portfolio/Auth Risk for Small Business card and Biz Banking Loans. In this role, they were responsible for end-to-end credit risk strategy, process management and regulatory mitigation in business card and business banking loans to drive profitable growth with full credit-cycle view. This included portfolio risk management for the Small Business credit card portfolio and the Business Banking portfolio, as well as graded acquisition risk for Business Banking and Small Business credit card acquisition risk management.

Joe has also provided marketing initiative and X-LOB supports (like new product design/CCAR models/Risk Appetite framework/Loss Forecast/ALLL) across Business Banking, acquirer bank CSO, Auto, and commercial card using machine learning.

Joe Wang has a PhD in IE-Operations Research from the University of Pittsburgh and an MBA in Management Science And Engineering from Shanghai Jiao Tong University.

Their manager is Neal Desai, Co-Founder & CEO. Some direct reports include Charles Chen - Credit Risk Manager, Shengjun Hu - Risk Director, Data Science, and Timothy Yu - VP, Credit. Some of their coworkers include Sosha Furman - Director, Talent & HR, Harold Mayer - Director, Talent Acquisition, and Roland Jeon - CFO.