Vishal Garg's Email Addresses & Phone Numbers

Founding Partner @ Phoenix Holdings Phoenix is a pre-eminent manager, advisor and data analytics firm for structured credit assets, with over $4 billion in loans and securities under management. Analyst, Mergers & Acquisitions Dept @ Morgan Stanley From 1998 to 1999 (1 year) Founder & CEO @ Better.com Better is the fastest growing homeownership company in america....

Founding Partner @ Phoenix Holdings Phoenix is a pre-eminent manager, advisor and data analytics firm for structured credit assets, with over $4 billion in loans and securities under management. Analyst, Mergers & Acquisitions Dept @ Morgan Stanley From 1998 to 1999 (1 year) Founder & CEO @ Better.com Better is the fastest growing homeownership company in america. We are empowering economic opportunity and mobility by making life's largest single purchase, expense and debt obligation more affordable, understandable and accessible. We grew over 300% in 2018 to over $1.4 bln in annual origination and are expecting to 3x again in 2019. Come join us.We did this by buying a traditional mortgage bank in 2015, gutting it and rebuilding it from the ground up using technology to empower consumers. Launching better.com in January 2016, and backed by Goldman Sachs and Kleiner Perkins, we have made over $2 Bln of home loans to date and are just getting started. Help us, join us, use us, tell your friends and family about us, cheer us on. Make homeownership better. For all americans. Greater New York City AreaCo-Founder&President @ MRU Holdings / MyRichUncle Starting with $30,000 at the age of 21, over a 7 year period built the first online student lender in america, took it public (NASDAQ 2005) and grew it into 4th largest publicly traded student loan company in the United States. Pioneered the development of equity financing in individuals, commercializing first human capital contract in 2001, whereby students can exchange a share of their future income for a set period in exchange for capital for education. Executed company strategy to enter and disintermediate the generic private student loan business in 2004 and launched vertically integrated origination to securitization online private student loan platform, which by 2008 was processing over 250,000 loans a year for MyRichUncle and its 41 marketing partners.Invented and commercialized the use of non-credit attributes such as academic, social and employment behavior and scores for underwriting and servicing student loans at a time when almost all student loans were underwritten using FICO based tiering or government guarantees. Invented and pioneered the academically underwritten student loan, "Preprime", for borrowers with strong academics but neither cosigners nor conforming credit attributes.Led capital markets efforts raising over $110 MM in equity and convertible debt for company. Led company's two major securitization transactions and numerous warehouse lending and forward sale agreements. Executed the first BB private student loan note issuance, first private student loan residual sale, first issuance of a private student loan origination by a first time issuer without an insurance wrap.Led company marketing, joint venture and eventually merger efforts with major national banks and developed company strategy to build a one stop student financial services platformCreated internal special servicing department and executed strategies to optimize performance of impaired student loans serviced by third parties at the onset of the credit crisis. From January 2000 to January 2009 (9 years 1 month) New YorkFounding Partner @ One Zero Capital 1/0 Capital is an investment holding company focused on creating and investing in businesses at the convergence of consumer finance, technology and digital marketing.Portfolio Companies include:- Better Mortgage - Instant online mortgages - Climb Credit - largest degree 2.0 lender, focused on coding bootcamps, MOOC's, next gen education- Future Finance - Europe's largest private student finance company- The number - what bloomberg is for fixed income thenumber is for whole loans- Phoenix ABS - large scale credit intelligence and asset management platform- Fenway Summer - Consumer credit investment and advisory platform- Zopa - UK's largest p2p lender- PeerIQ - p2p credit data and analytics platform and derivatives marketplace- Maxmyinterest - deposit interest maximization platform, eg creditkarma for bank deposits- Paribus - price and warranty optimization platform (sold to Capital One Financial in 10/2016)- Penguin - medical prescription and human capital necessities financewww.onezerocapital.com