Chirag has been involved with education finance for a good part of his career. He gained investment banking experience with Salomon Smith Barney/Citi structuring over $5 billion in student loan debt. Prior to Fynanz, he was the CEO of KobeMail, a leader in email deliverability technology. At KobeMail, Chirag worked with companies involved in sourcing private and federal student loans, helping them optimize their advertising budgets and communication strategy with students. Chirag holds an accelerated degree with a double major in Mathematics and Computer Science from Clark University. In 1996, he won the Albert Erickson Prize for developing one of the first Web Operating Systems. Chirag also serves as an Auxiliary Police Officer with the NYPD. Mike has over 12 years of structured finance experience with leading financial services organizations. Prior to joining Fynanz, Mike was a Vice President at Credit Suisse and worked the past 8 years in the Asset Finance Capital Markets group originating and structuring asset-backed securities (ABS). He has executed over $60 billion in lead managed ABS transactions for clients, including BMW, Ford, AmeriCredit & HSBC. Prior to Credit Suisse, Mike was an Associate at ContiFinancial in the Financial Engineering Capital Markets Group structuring asset-backed transactions. Mike started his career at Fifth Third Bank in Cincinnati. Mike has a BA in Economics from Duke University. Hing started with Citi in 1987 and has specialized in student loan finance ever since, both for the FFELP (government guaranteed) and private student loan industries. In the past 20+ years, Hing has provided investment banking and financial advisory services to practically all student loan organizations, and has been involved in the creation of many financing innovations. He has worked on over 300 lead managed transactions exceeding $100 billion for student loan and other consumer finance companies. Hing has a degree in Computer Science from Columbia College, and an Executive MBA from Fordham School of Business, graduating at the top of his class. Anoop is a software architect & user interface expert, having designed and implemented three highly scalable consumer-driven applications. Over 20 million users interact daily with applications he has architected. Anoop’s area of expertise is the development of CRM & financial transaction systems. He has developed solutions for Microsoft, Petersons, Thomson West, Abbott Labs and Meow Mix. At Fynanz, he has created the company’s loan origination and lender portfolio management platforms. Anoop is a Microsoft Certified Software Developer (MCSD) with over 8 years experience leading developer teams. Neal is a proven, high energy, innovative management professional with over 15 years experience in financial services and credit based lending. As Co-President of his own financial services firm, he worked with such nationally recognized companies such as Countrywide Financial, BB&T Bank, and Lehman Brothers. Neal has worked extensively in wholesale mortgage, mortgage underwriting, credit life, and financial publishing. Most recently, he was with Affinity Direct, where he supervised the sales and compliance training of over 200 new hires and oversaw the customer service department. Neal has a BA in English from Ithaca College.