Founder and CEO @ Better Mortgage is redefining the real estate finance experience for consumers. We have taken the approval process for consumer real estate finance from 2-3 weeks to 20-30 seconds by creating a three way matching engine between consumers, properties, and the investors who want to finance them. Our path starts with Avex Funding, a mortgage bank we have taken over and are optimizing front to back to manufacture fully digital mortgages. Over the next decade we expect to fully resolve the transactional friction in mortgages, dramatically improving liquidity and transparency for the largest asset and monthly expense for most Americans, their home. From January 2014 to Present (2 years) Founding Partner @ 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: - Climb Credit - largest degree 2.0 lender, focused on coding bootcamps, MOOC's, next gen education - Better Mortgage - Instant online mortgages - Future Finance - Europe's largest private student finance company - 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 www.onezerocapital.com From March 1999 to Present (16 years 10 months) Founding Partner @ 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. From March 2011 to Present (4 years 10 months) Co-Founder&President @ Starting with $30,000 at the age of 21, over a 7 year period built, took public and grew 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 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 platform Created 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) Analyst, Mergers & Acquisitions Dept @ From 1998 to 1999 (1 year)

BS, Finance, International Business @ New York University - Leonard N. Stern School of Business From 1995 to 1998 Stuyvesant High School From 1991 to 1995 Vishal Garg is skilled in: Leadership, Entrepreneurship, Consumer Finance, Start-ups, Investments, Data Analysis, Finance, Mergers & Acquisitions, Business Analysis, Hedge Funds, Capital Markets, Equities, Loans, Credit, Asset Management