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Michael Cirillo is currently the Director of Credit Strategy at Cherry, where Michael manages consumer credit underwriting strategy and implementation. Prior to this, Michael worked at Capital One from 2011 to December 2021, where Michael held various roles such as Business Manager and Senior Business Analyst, focusing on optimizing underwriting processes and managing pricing structures. Michael has also worked as an Analyst at various independent consulting firms, where Michael created revenue forecast models and produced competitor landscape analysis. Michael graduated from the University of Virginia in 2011 with a BA in Finance, Management, and Economics.