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Paul Gu is the co-founder and Head of Product at the online financial service Upstart , which was founded in 2012 . The lending platform uses unconventional information pertaining to the applicant in order to assess borrow risk , such as the applicant ’ s higher education . It offers three-year and five-year fixed interest loans , designed to pay off credit cards and consolidate debt . Gu heads the data science team responsible for this alternative model , which approves 27 % more applications than other models , according to a CFPB study . www . fintechmagazine . com