The People Capital Mission
To develop the next generation of credit risk management and funding for student financing.
The People Capital peer-to-peer student loan lending platform generates liquidity in the market by matching all lenders with all borrowers, not just "family and friends." Institutional lenders remain the largest source of capital in these markets.
Our patented Human Capital Score (http://www.humancapitalscore.com) 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.
Thomas Shelton, Founder & CEO, is a serial entrepreneur who had successfully incubated a diversity of businesses in the US and Europe. His first passion, however, is the student loan space having begun working in areas of human capital and education finance while attending The Wharton School of the University of Pennsylvania.
Al Alper, President and COO, is a recognized expert at devising global solutions that integrate technology, process, application, infrastructure and organization. Over the course of his 20+ year career, Al has brought several companies to market and raised in excess of $100MM.
Alan Samuels, Chief Product Officer, has over 17 years of financial services experience leading product development, marketing and business development functions. He began his professional career in strategic consulting.
John Nerenberg, Chief Information Officer, was previously, CIO at Curomax, a successful Web 2.0 consumer finance start-up.
Life at People Capital
Located in the heart of New York City, our seasoned financial services executives and start-up dreamers work at a pace only matched by New York City itself.