Paul Gu

In 2012, Paul Gu cofounded Upstart, an online lender that helps people refinance credit card debt. He leads the 20-person data science team, which uses machine learning and unconventional data (like your college major) to assess borrower risk. Upstart's model ?approves 27% more applicants than the traditional model, and yields 16% lower average APRs for approved loans," according to a CFPB study.