{"id":379,"date":"2013-10-12T11:47:07","date_gmt":"2013-10-12T15:47:07","guid":{"rendered":"http:\/\/jhumag.dev.173.166.187.154.xip.io\/?p=379"},"modified":"2014-06-02T15:24:27","modified_gmt":"2014-06-02T19:24:27","slug":"joining-club-makes-cents","status":"publish","type":"post","link":"https:\/\/engineering.jhu.edu\/magazine-archive\/2013\/10\/joining-club-makes-cents\/","title":{"rendered":"When Joining the Club Makes Cents"},"content":{"rendered":"<figure id=\"attachment_380\" class=\"wp-caption alignleft\" style=\"width: 310px\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-380\" src=\"http:\/\/dev.bcreativegroup.com\/jhuwse\/wp-content\/uploads\/2014\/05\/ChenPortrait2-300x238.jpg\" alt=\"Fiscal Matchmaker: Chen is the Lending Club\u2019s chief risk officer.\" width=\"300\" height=\"238\" srcset=\"https:\/\/engineering.jhu.edu\/magazine-archive\/wp-content\/uploads\/2014\/05\/ChenPortrait2-300x238.jpg 300w, https:\/\/engineering.jhu.edu\/magazine-archive\/wp-content\/uploads\/2014\/05\/ChenPortrait2.jpg 350w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><figcaption class=\"wp-caption-text\">Fiscal Matchmaker: Chen is the Lending Club\u2019s chief risk officer.<\/figcaption><\/figure>\n<p>While the toxic fallout from\u00a0the financial services and\u00a0<span class=\"s1\">banking crises engendered\u00a0<\/span>America\u2019s Great Recession and economic hardship worldwide,\u00a0it ultimately resulted in new, unexpected business opportunities.<\/p>\n<p class=\"p3\"><span class=\"s1\">The public blowback against too-big-to-fail\u00a0<\/span>financial institutions spawned innovative online concepts such as Kickstarter, which uses crowdsourcing\u2014tapping friends, family, and sympathetic strangers\u2014to fund nascent projects.<\/p>\n<p class=\"p3\">It also buoyed the prospects\u00a0<span class=\"s1\">of emerging alternatives to traditional personal loans.\u00a0<\/span>After often handing out money willy-nilly in the run-up to the financial collapse, commercial banks overreacted in its wake, leaving borrowers scurrying in search of cash. Once again, the\u00a0<span class=\"s1\">Internet provided a solution: Lending Club, which plays online matchmaker by pairing people in need of a loan with investors willing to stake them to one\u2014in essence, a sort of\u00a0<\/span>fiscal eHarmony.<\/p>\n<p class=\"p3\">\u201cThe investor and the borrower don\u2019t know each other,\u201d explains Chaomei Chen, MSE\u00a0<span class=\"s2\">\u201988, Lending Club\u2019s chief risk officer.\u00a0<\/span>\u201cWe evaluate the borrower\u2019s creditworthiness and present that to the investor. And the investor, based on their risk type, can pick up a loan\u201d that best suits him\/her. \u201cOur technology platform gives both institutional and individual\u00a0<span class=\"s1\">investors access to a certain class of asset that in the past they did not get a chance to\u00a0<\/span>explore directly.\u201d<\/p>\n<p class=\"p3\">Launched in 2007 with 100\u00a0<span class=\"s1\">percent individual investors,\u00a0<\/span>the San Francisco\u2013based Lending Club has arranged more than $2 billion in loans to date, with institutional investors such as venture capital firms signing on after witnessing the service\u2019s success, growth, and, most important, high rate of return.<\/p>\n<p class=\"p3\">Chen joined Lending Club in June 2011, jumping to the online startup after working nearly 25 years for established\u00a0<span class=\"s1\">bricks-and-mortar firms such as JP Morgan Chase, PNC<\/span>National Bank, and FleetBoston<span class=\"s1\">Financial. As LC\u2019s chief risk officer, she defines and implements the company\u2019s\u00a0<\/span>credit policy while monitoring compliance with existing laws.<\/p>\n<p class=\"p3\">Born and raised in Beijing and the daughter of a translator father and schoolteacher mother, Chen earned an undergraduate degree in math in China before teaching there for four years. She moved to the United States in January 1986 and entered the graduate program in applied mathematics and statistics at the Whiting School that same year, thriving despite the inevitable culture shock.<\/p>\n<p class=\"p3\"><span class=\"s3\">\u201cChaomei was an enthusiastic<\/span>\u00a0and energetic student in my probability theory and stochastic processes courses,\u201d recalls John Wierman, a longtime applied mathematics and statistics professor at the Whiting School. \u201cShe competed with my first doctoral graduate and a current Hopkins faculty member for the top of both classes.\u201d<\/p>\n<p class=\"p3\">While completing her master\u2019s in 1988, Chen took a part-time job as a statistician with Citicorp (now Citigroup) in Towson. \u201cIt dawned on me how much we can utilize what we learned in applied mathematics in the real world,\u201d she says. After assuming a full-time position with the company, she returned to Hopkins to take economics courses in what was then the School of Continuing Studies.<\/p>\n<p class=\"p3\">Long active in Whiting School alumni events in San Francisco, where she lives with her husband, Chen became a member of the School\u2019s National Advisory Council in 2013, and visited the campus in May to give the Harriet Shriver Rogers Lecture (\u201cRisk Management in Business and in Life\u201d) during the annual Convocation Awards Ceremony.<\/p>\n<p class=\"p3\">In a sense, she\u2019s honoring her Johns Hopkins experience. \u201cHopkins gave me a great foundation in applied mathematics and basic economics,\u201d she notes, \u201cand I was able to leverage that into my subsequent career.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>While the toxic fallout from\u00a0the financial services and\u00a0banking crises engendered\u00a0America\u2019s Great Recession and economic hardship worldwide,\u00a0it ultimately resulted in new, unexpected business opportunities. The public blowback against too-big-to-fail\u00a0financial institutions spawned innovative online concepts such as Kickstarter, which uses crowdsourcing\u2014tapping friends, family, and sympathetic strangers\u2014to fund nascent projects. It also buoyed the prospects\u00a0of emerging alternatives to&#8230;<\/p>\n","protected":false},"author":4,"featured_media":586,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-379","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-big-ideas","issue-winter-2014"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>When Joining the Club Makes Cents - JHU Engineering Magazine<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/engineering.jhu.edu\/magazine-archive\/2013\/10\/joining-club-makes-cents\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"When Joining the Club Makes Cents - JHU Engineering Magazine\" \/>\n<meta property=\"og:description\" content=\"While the toxic fallout from\u00a0the financial services and\u00a0banking crises engendered\u00a0America\u2019s Great Recession and economic hardship worldwide,\u00a0it ultimately resulted in new, unexpected business opportunities. 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