Joel has spent more than 20 years in financial services, holding C-level and executive-level positions ranging from product, marketing, origination operations, servicing and default operations, credit risk, and corporate strategy at companies such as Renew Financial, Bank of the West, Capital One, and HSBC. Most recently, Joel served as both the Chief Risk Officer and Chief Operating Officer at Renew Financial. Prior to his time in financial services, Joel was a consultant with Booz Allen from 1999 to 2004. Originally an engineer, Joel began his career at Ford Motor Company. Joel holds an MBA from the University of Michigan.