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Jim Chonko is a seasoned data science professional with extensive experience in fintech and AI-driven solutions. Currently serving as Co-Founder of FlowData LLC since February 2024, Jim also contributes as a Builder at Memairy Inc, which offers an AI-powered online diary, and as a Solutioneer for The Chonkulator LLC, focusing on data science consulting. Jim's previous roles include VP of Data Science at Lendio, where significant advancements in data-driven decision-making were achieved, and Chief Data Scientist at Laso, where a white-label lending solution was developed. As the Chief Risk Officer at QuarterSpot, Jim played a crucial role in underwriting $2B in offers. Jim's career demonstrates a strong foundation in data analytics, risk management, and business transformation, supported by academic credentials including a PhD in Physics from Columbia University and a BS in Mechanical Engineering from Cornell University.