If there is one thing Gerardo Santacruz has in spades, it’s passion. He’s passionate about his work, his team, and his extended family and friends across the globe. To find out about his role on the Data Science team and what he likes to do for fun, read below.
Tell us a little bit about yourself! Where are you from and where do you live currently?
I was born in Jersey City, NJ, and grew up next door in Bayonne for most of my life, only to have recently returned to JC where I currently live - a stone's throw away from the office. Despite keeping to my Jersey roots, my family hails from Colombia, so I’m frequently in between countries visiting them.
When did you start at Even and what is your current role? Describe your team and how it fits into the company.
I joined Even in the summer of 2019, and am currently the Data Science Manager. DS is a small and scrappy team that handles everything from advanced analytics, to statistical modeling, to data and machine learning engineering. While you may not hear from us much, we’re present in almost every aspect of the business. From offers being recommended to users, revenue predictions, lender pricing ― it’s all powered by data science models and analytics. Coupled with our amazing platform and savvy partner managers, we bring the promise of being “the definitive search, comparison, and recommendation engine for financial services” to life.
What is your favorite thing about working at Even?
We have an incredibly diverse cast of smart, driven, and all around wonderful human beings, all of whom bring their best, most genuine selves to work every day. That both humbles and motivates me, while consistently keeps me honest.
Of course, I can’t forget to give a shoutout to my fellow weebs at Even, past and present, y’all make the chaos worth it.
What has been your biggest accomplishment or crowning achievement working at Even so far?
Helping build and protect the foundation of our team, despite the shocks of the pandemic and a constantly shifting marketplace, has been both exhilarating and a quiet joy for me to see come to fruition.
It feels like only yesterday when we were in the throes of pandemic uncertainty; today, we’re busy hiring at a breakneck pace, eagerly looking toward a horizon of possibilities. The one constant principle I’m proud to have kept alive, however, is the fundamental belief that remains true no matter what environment we’re in ― it’s always about the people.
What do you enjoy doing in your free time for hobbies?
When not working, you’ll usually find me lifting heavy weights, catching up with old friends halfway around the world (and probably planning trips to see them!), watching/reading anime and manga, cooking, and occasionally arguing with people on the internet. You can also find me strolling down random streets in NYC – don’t be a stranger if you do!
What words of advice or encouragement would you have for a prospective Even employee?
There is a great deal of hype surrounding fintech and what the possibilities are with data and consumer finance, and Even is in a rare spot to actually bring these possibilities to life. We’re still small, but have built an enormous network, and with that comes the benefit of seeing a large portion of America’s credit appetite. Paired with the blessing of having an incredibly talented team of engineers, sales, business, and operations folks, I can guarantee you’ll be in for a heck of a ride. So buckle up!
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NEW YORK, NY, March 15, 2022 -- Even Financial ("Even"), the category-leading embedded finance marketplace and independently managed subsidiary of MoneyLion, Inc. (NYSE: ML), has announced a new partnership with Tally, a leading financial automation company, to include the company's low-interest credit offerings on its platform.
"Tally has built a powerful tech-enabled system to help people solve one of the biggest financial problems today: paying off credit card debt," said Phill Rosen, Founder and CEO of Even. "We're thrilled to welcome Tally's line of credit offerings to Even's unparalleled network of financial services providers."
Tally is designed to help its members pay off their debt faster and save them money on interest and late fees. Members can lower their monthly payment with Tally's lower-interest line of credit, if eligible. Typically, at least a 580 FICO score is needed. Tally's system is customized to save people as much money as possible.
"Americans today owe nearly $1 trillion in credit card debt. We know from our research that many want to pay down their debt but struggle to get started. That's where Tally comes in," said Jason Huynh, VP of Credit, Analytics & Operations at Tally. "Our system combines financial automation with a low-interest line of credit to give people the help they need to get on track to pay off their credit card debt for good. We're thrilled that our partnership with Even will allow Tally to help even more people."
The launch of Tally on the Even platform enables consumers to get matched with Tally's custom, low-interest line of credit accounts of up to $25,000 in just a few minutes. After getting matched, eligible consumers complete the process through the Tally app. There are no out-of-pocket costs.
Tally is the latest partner to join the Even marketplace, a growing network of over 400 financial services partners and 500 channel partners covering a breadth of financial services including loans, credit cards, mortgages, savings, and insurance products. Even's marketplace technology enables any company to add financial products to its business, with full compliance and security, at scale.
About Even Financial
Even digitally connects and matches consumers with real-time, personalized financial product recommendations from banks, insurance carriers, and fintech companies on mobile apps, websites, and other digital touchpoints through its marketplace technology. Even's infrastructure leverages machine learning and advanced data science to solve a significant pain point in financial services customer acquisition, seamlessly bridging financial services providers (such as SoFi) and channel partners (such as TransUnion) via its industry-leading API and embedded finance marketplaces. Even enables any company to add financial products to its business, with full compliance and security at scale. Even was named one of "America's Best Startup Employers'' by Forbes for 2021 and was named to the 2021 Deloitte Technology Fast 500, which recognizes the fastest growing tech companies in the world. Learn more at www.evenfinancial.com.
Tally is a consumer financial tech company pioneering full-service financial automation to help people save money, pay down their debt and reach their goals sooner. Founded in 2015, the company built the first fully automated debt manager to help put billions of dollars back in people's pockets. In 2021, Tally was named to Fast Company's Most Innovative Companies list and to Quartz's Best Companies for Remote Workers. Previously, Tally made Forbes' Next Billion Dollar Startup list, Forbes' Fintech 50 list, and the app won Real Simple's Smart Money award. Learn more at meettally.com.
NEW YORK, NY, April 19, 2022 -- Even Financial (“Even”), the category-leading embedded finance marketplace and independent subsidiary of MoneyLion, Inc. (NYSE: ML), has announced it has now facilitated over $5 billion in consumer credit, as of March 2022. Leveraging machine learning and advanced data science, Even solves a significant pain point in financial services customer acquisition by seamlessly bridging financial service providers and channel partners via its industry-leading API and embedded finance marketplaces.
“Surpassing $5 billion in consumer credit facilitated through our marketplace is an enormous achievement for Even as we continue to help build the future of finance technology,” said Phill Rosen, Founder and Chief Executive Officer. “Access to credit has long been a challenge for many hard-working Americans, and we are dedicated to alleviating this issue by providing consumers personalized financial services offers that meet their needs, when they need it most. Reaching the $5 billion milestone reaffirms that our mission is driving significant value for both consumers and our partners."
Even has grown its embedded finance marketplace offerings beyond loans to cover a breadth of additional financial services including credit cards, mortgages, savings, and insurance products. Within loans, Even offers the largest network of premium, connected loan providers - across a wide array of products including unsecured personal loans, secured personal loans, line of credit, student loan refinancing, and auto loan refinancing. Leading financial services providers, such as LendingClub and SoFi, partner with Even to reach qualified consumers searching for loans, benefiting from Even’s unparalleled network and native integrations.
The company has continued its rapid growth trajectory in 2022, growing its network to include over 400 financial services partners and 500 channel partners. Even's marketplace technology enables any company to add financial products to its business, with full compliance and security at scale. Earlier this year, Even announced the close of its acquisition by MoneyLion, the award-winning digital financial platform, which will continue to advance their combined efforts of providing financial access and advice to hard working Americans.
About Even Financial
Even digitally connects and matches consumers with real-time, personalized financial product recommendations from banks, insurance carriers, and fintech companies on mobile apps, websites, and other digital touchpoints through its marketplace technology. Even's infrastructure leverages machine learning and advanced data science to solve a significant pain point in financial services customer acquisition, seamlessly bridging financial services providers (such as SoFi) and channel partners (such as TransUnion) via its industry-leading API and embedded finance marketplaces. Even enables any company to add financial products to its business, with full compliance and security at scale. Even was named one of "America's Best Startup Employers'' by Forbes for 2022 and was named to the 2021 Deloitte Technology Fast 500, which recognizes the fastest growing tech companies in the world. Learn more at evenfinancial.com.