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As Chief Scientist, Hutch Carpenter oversees data analytics, the development of behavioral measures and the application of Scorenomics data to achieve significantly better outcomes for clients.

Hutch brings over 20 years of experience in banking, financial technology and innovation. He has worked in credit markets with Bank of America, and built credit algorithms for scoring small businesses and sole proprietors. He also has advised clients on establishing programs that foster innovation.

Hutch holds a Bachelor degree from the University of Virginia, and an MBA from the University of Virginia Darden School.