Michael Kortering is the Chief Credit Officer at Reprise Financial, a lender offering unsecured and secured personal loans with an on-line experience. Prior to Reprise Financial, Michael held several positions at OneMain Financial, PNC Bank, JP Morgan Chase, and Fifth Third Bank across multiple products including credit cards, personal loans, auto lending, mortgages, small business lending, and commercial lending. Michael’s work has focused on using data and models to optimize lending strategies including underwriting, loan/line assignment, pricing, marketing, and high-risk account management. He holds a BA in economics and an MBA with a concentration in Finance.