Vishal is the Founder and CEO of Better Mortgage, working to make the mortgage process simpler, faster and much much better for all Americans. Mr. Garg is also the Founding Partner of 1/0 Capital, a credit and financial technology incubator where he has been a member of the founding team and currently serves as Chairman of Climb Credit, The Number, and Phoenix Holdings. Previously, he was co-head and Managing Partner, ARAM ABS Group ($6 B+ assets) and the Founder and President & CFO of MyRichUncle (2005 NASDAQ IPO), which he founded at the age of 21 and built into the fourth largest private student loan originator in the US. Prior to MyRichUncle, Vishal was an analyst in the Mergers & Acquisition dept. at Morgan Stanley, a frontier emerging markets portfolio manager for the Strategies Fund. He is a graduate of Stuyvesant High School and a Deans Scholar at NYU Stern where he graduated with highest honors.