# Kristy Kim

> Kristy Kim is the Co-founder and CEO of TomoCredit, a San Francisco-based fintech company that uses AI and alternative data to help credit-invisible Americans — immigrants, international students, and young adults — build credit without a traditional FICO score. A Korean immigrant who moved to the U.S. at age 11, Kim was denied auto loans five times despite earning a six-figure investment banking salary after graduating from UC Berkeley, simply because she had no U.S. credit history. That personal experience became the seed of TomoCredit, which has raised over $46.5M in venture funding (backed by Mastercard and Morgan Stanley), serves 4+ million customers, and generates $20M+ in annual revenue. Kim now leads the company's expansion into AI-powered financial wellness with the launch of TomoIQ.

- **Role:** Co-founder & CEO at TomoCredit
- **Organizations:** TomoCredit
- **From:** Seoul, South Korea
- **Nationality:** Korean-American
- **Education:** MBA, University of California, Berkeley — Haas School of Business
- **Known for:** Named to Inc. Magazine's 2020 Female Founders 100 list, Built TomoCredit to 4+ million customers, Raised $46.5M+ in venture funding from Mastercard, Morgan Stanley, Kapor Capital

## Career timeline

- **Early career** — Investment banking in San Francisco
- **Prior to TomoCredit** — Roles at Forbes, Kenetic, and Oasis Labs
- **2018-2019** — Founded TomoCredit after being denied credit five times despite six-figure income
- **2021-09** — Raised $10M Series A led by Kapor Capital and KB Investment Inc., with participation from Square co-founder Sam Wen
- **2022-07** — Raised $22M Series B led by Mastercard and Morgan Stanley's Next Level Fund, at $222M post-money valuation
- **2022-07** — Secured $100M debt facility from Silicon Valley Bank
- **2024-10** — Appointed Joseph Lindsay (former Experian CTO) and John Suh (former LegalZoom CEO) to leadership team
- **2025** — Launched TomoIQ — AI-powered financial wellness platform; achieved 53X user growth from beta to paid tier
- **2025-09** — Featured by CNBC as $20M+ annual revenue company helping credit-invisible Americans

## Achievements

- Named to Inc. Magazine's 2020 Female Founders 100 list
- Built TomoCredit to 4+ million customers
- Raised $46.5M+ in venture funding from Mastercard, Morgan Stanley, Kapor Capital
- Grew TomoIQ 53X from beta to paid tier within six months
- Reached $20M+ annual revenue
- Member of Forbes Finance Council
- Guest lecturer at UC Berkeley on entrepreneurship
- Featured by CNBC, TechCrunch, Inc., SUCCESS Magazine

## Latest updates

- **2026-03** — TomoIQ AI agent upgraded to smarter, AI-native financial guide
- **2025-11** — TomoCredit introduces AI-powered tools for holiday spending management
- **2025-09** — CNBC feature on Kristy Kim's journey from credit ghost to $20M+ annual revenue fintech CEO
- **2025** — TomoIQ achieved 53X user growth from beta to paid tier within six months
- **2024-10** — TomoCredit appoints Joseph Lindsay (former Experian CTO) as CTO and John Suh (former LegalZoom CEO) as Executive Director

## Links

- Website: https://tomocredit.ai
- LinkedIn: https://www.linkedin.com/in/kristykim7/
- Twitter/X: https://x.com/kristykim1015
- Instagram: https://www.instagram.com/kickasskristy/
- TikTok: https://www.tiktok.com/@kickasskristy

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Profile page: https://yespress.io/kristy-kim
Published by YesPress — https://yespress.io
Last updated: 2026-05-13