Kareem has been working on financial inclusion and underwriting hard-to-score borrowers his entire career. At ZestFinance (now Zest.ai) he worked with lenders to adopt AI underwriting. At SoftCard he worked with retailers, financial institutions and tech companies to democratize mobile payments. In the Obama Administration he helped manage the team that negotiated the Paris Climate Agreement, and oversaw $3B in annual investments into development-friendly projects in emerging markets. He’s a contributor to Forbes on AI in financial services and loves boxing, poker and hip hop.