Miguel Armaza interviews Frank Rotman, Founding Partner of QED Investors, a Venture Capital fund that invests in early-stage, disruptive financial services companies around the world. Frank focuses on financial services and financial technology companies that are credit-oriented or have data analytics foundations at their core and his portfolio includes some of the fintech rockstars of our generation, including LendUp, Credit Karma, Avant, SoFi, and many more. We talk about: - Frank’s experience at Capital One, starting as one of the first employees to senior executive and chief credit officer - The evolution of QED - The state fintech in the US, Latin America, and around the world - His approach to evaluating early-stage fintech startups - His outlook on the road ahead for the industry. - And much, much more! Finally, we also talk about Frank’s Twitter presence. It’s not an exaggeration to say he is probably the most respected fintech voice on Twitter and has become famous for sharing some of the most thoughtful and in-depth twitter threads. In case you’re not following him, I recommend you check him out. His username is @FintechJunkie. Frank Rotman Frank Rotman is a founding partner of QED Investors. His investments are focused on financial services and financial technology companies that are credit oriented or have data analytics foundations at their core. His portfolio of 20+ investments includes many of the emerging next-generation companies in the financial services eco-system such as Credit Karma, Prosper, Avant Credit, SoFi, GreenSky, LendUp and ApplePie Capital. Frank was one of the earliest analysts hired into Capital One and spent almost 13 years there helping build many of the company’s business units and operational areas. With two decades in consumer & small business finance, Frank is widely known in the industry as a Credit Risk and Portfolio Management Expert. His responsibilities have included turning around underperforming business units, building new businesses from concept to market leadership positions, overseeing the credit performance of Capital One as a whole, and creating a Student Lending company after leaving Capital One in December 2005. Frank graduated from the University of Virginia with degrees that included Applied Mathematics (B.S.) and Systems Engineering (M.S.). About QED Investors QED is a leading boutique venture capital firm based in Alexandria, VA, co-founded by Nigel Morris and Frank Rotman. It invests in early-stage, disruptive financial services companies in North America, South America, and the United Kingdom. QED is dedicated to building great businesses and uses a unique, hands-on approach that leverages its partners’ decades of entrepreneurial and operational experience, helping companies achieve breakthrough growth. Notable investments include Nubank, SoFi, Credit Karma, Klarna, GreenSky, Avant, Flywire, Remitly, QuintoAndar, Creditas, ClearScore, and Konfio.