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Alan Samuels is the Chief Product Officer & EVP, Business Operations at People Capital. People Capital (http://www.people2capital.com) was founded in 2008 by a team of world-class talent with backgrounds in student loans, consumer finance, credit ratings and new media to develop the next generation of credit risk management and funding for student financing.
Alan brings together a mix of strategy consulting and general management skills — with deep financial services expertise. His last 10 years have been spent in the financial information and credit ratings industry as a senior executive at both Standard & Poor's (S&P) and Fitch Ratings.
During his tenure at S&P he incubated a number
of new credit risk business lines, including the development and launch of on-line credit assessment tools. While leading marketing, he worked with McGraw-Hill Education to create interactive versions of the leading McGraw-Hill finance college texts. He also oversaw M&A and strategic relationships for the corporation. At Fitch, he led the global product development group, including taking on responsibility for the financial data operations.
He began his professional career in strategic consulting working for Arthur Andersen and Gemini Consulting.
A dual national of the UK and US, Alan holds a BA (Honours) and MA (Honours) in Law and Management from Cambridge University in England, as well as an MBA in Strategic Management and Decision Processes from The Wharton School of the University of Pennsylvania. He is an Executive Board Member of the Manhattan Day School.
Recent events in the capital markets have led to overly harsh treatment of student borrowing. Not only have lenders fled the market, but also, those that have stayed are unable to best distinguish between good and bad risks. We aim to address both issues. Our patent pending Human Capital Score™ is based on
the work of leading academics, and addresses the challenge of how to assess the creditworthiness of those just starting their credit histories. Our credit assessments will allow lenders to make credit risk decisions based on the true potential of the borrower. Founded by a team of world-class talent (with backgrounds in student lending, consumer finance, credit ratings and new media), People Capital has developed the next generation of credit risk management and funding for student financing. What We Do People Capital provides a peer-to-peer (p2p) lending platform on which students are matched with college funding sources — be they individual investors, philanthropic/affinity groups or financial institutions. Our Approach Our patent pending Human Capital Score™ underwrites students without credit history, FICO® scores or co-signers by instead projecting individual income levels and ability to pay indebtedness. We incorporate GPAs, standardized test scores, college and major to provide a true and unbiased, data-driven measure of the economic value of an education. Why We're Different Our Human Capital Score™ measures income potential, unlike traditional measures. We maximize confidence in borrower authenticity, verifying student enrollment status and earmarking disbursements for schools. We provide institutional-quality credit risk and analytical tools for all lenders, plus the data and analytics necessary to make smart lending decisions. We give institutional lenders a new opportunity to create a unique portfolio of individually selected student loans — with all the underlying data.
People Capital: Education Finance Matters
People Capital's take on all things that matters in the world of higher education, student loans and peer-to-peer lending
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