PersonFounderExecutive
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.
fintechcreditimmigrationfinancial-inclusionaistartup
