Driving Innovation and Excellence through Strategic Leadership and Cutting-Edge Technology

Raviv Wolfe

Chief Technology Officer & AI/ML Innovator

Visionary FinTech Executive with Over 20 Years of Leadership

A seasoned leader in the development of innovative financial technologies, I bring over 20 years of experience building dynamic technical teams and creating proprietary platforms, deNovo products, and robust SaaS solutions. My expertise lies in consumer finance and securitization, with a proven track record in AI & machine learning, asset management, and credit modeling. My comprehensive background in capital markets informs my strategic approach to product and business development.As a CTO, I excel in driving rapid execution and implementing virtuous data cycles to enhance user experiences and optimize risk management. My strategic leadership consistently transforms innovative product concepts into market-leading successes, ensuring that technology serves as a catalyst for business growth and operational excellence.

Leadership Philosophy

Leadership Philosophy

20+ Years Building Dynamic Teams & Mentorship

As a CTO and technical leader, my philosophy centers on crafting a unifying vision for both my team and the C-suite, underpinned by the core tenet of meritocracy. I drive innovation and manage through inspiration and mentorship, embodying a leadership style where no task is beneath me. My extensive background and commitment to lifelong learning ensure that I never ask my team to do something I’m not willing to do or learn myself.Having led teams since my days as a Division I collegiate athlete, I understand that leading through inspiration is key to retention and success. A great leader builds other leaders, and I strive to create an environment where the best ideas win. This involves clear and regular communication, fostering an atmosphere where ideas are challenged and refined collaboratively.My approach to leadership is holistic, balancing the drive for rapid results with a strong emphasis on security and risk management. I believe brilliant ideas are born from collaboration rather than financial expenditure, and that technology should be a competitive strength, especially with advancements in AI and ML.Talent development and mentorship are vital components of my strategy. I believe A players want to work with other A players, and I prioritize hiring talent quickly and addressing mistakes even faster. My deep experience in business operations, finance, and FinTech allows me to create purpose-led products and ensure that no time is wasted due to a lack of business acumen or understanding.Stakeholder collaboration excites me the most about building technology. I love seeing the impact and reactions from our team when they experience new tools. My process involves evaluating in depth, planning and strategizing thoughtfully, collaborating actively, and implementing with passion and precision. Our job isn’t done until we 'WOW' our users, as our ultimate goal is to enhance their experience and provide value.I am service-oriented, prioritizing people over software. Products are tools we create to provide competitive leverage for our teammates and customers. Effective leadership is about character, and I lead by living my truth: being curious, service-oriented, communicative, risk-conscious, and always available to solve problems. I am resilient, methodical, passionate, and compassionate, embodying a leadership style that inspires and drives excellence.

If you are seeking a driven visionary fintech executive and culture leader to build and transform a world-class platform, let's connect!

Contact me at [email protected]

Download Raviv's Resume

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Spyros - Mission Control Platform

Unified business management platform

Harness AI to seamlessly transform your words into actionable insights

Redstone - RMBS Marketplace

Redstone Automated Verification of Assets

Redstone Automated U/W - Verification of Assets

Redstone RedQual Pricing Engine

Marqi - Consumer Credit Passport

Marqi Consumer Credit Passport

Marqi BaaS Automated U/W Platform - Credit Passport

Lago Six - Proprietary ABS Platform

Lago Six

Industry Expertise

Non-QM RMBS

Fintech marketplace specializing in Non-QM mortgage lending (RMBS)

Digital Credit Passport

Fintech developed The Credit Passport - one click credit identity applications. BaaS Automated Underwriting System (AUS) Platform.

Alternative Income Fund

Alternative investment credit fund focused on ABS assets.

www.lagosix.com

Prime/Near-Prime Consumer Loan Marketplace

Algorithmic underwriting platform powered by Al/ML

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20+ Years / FinTech & Fund Leadership / AI & ML

Executive Summary

Visionary FinTech executive with over 20 years of leadership experience in development of innovative financial technologies and building dynamic technical teams. Specializing in creating proprietary platforms, deNovo products, and robust SaaS solutions, with a focus on consumer finance and securitization. A proven leader in AI & machine learning, asset management, and credit modeling. Comprehensive background in capital markets drives my strategic approach to product and business development. Driving rapid execution and virtuous data cycles to enhance user experiences and optimize risk management, I consistently deliver innovative product concepts into market leading successes.

If you are seeking a driven visionary fintech executive and culture leader to build and transform a world-class platform, let's connect!

Contact me at [email protected]

Highlights

Spearheaded the development of a proprietary AI/ML-based risk platform, significantly improving trade performance.
Managed a diverse portfolio, focusing on asset-backed securities and developing real-time analytics and underwriting models.
Co-founded and built an automated underwriting SaaS platform at Redstone, driving billions in asset-backed securities originations.
Led teams through significant regulatory changes, integrating advanced AI/ML technologies to foster innovation and efficiency.
Demonstrated expertise in leveraging cutting-edge technologies and data-driven insights to transform operations and generate significant returns.
Proven track record in managing and reducing tech debt while ensuring continuous innovation and operational excellence.
Extensive experience in strategic planning, stakeholder management, and cross-functional leadership, driving technology strategy and business growth.

Experience

RedstoneManaging Director / Chief Technology Officer

2019 - 2023

Led the vision, strategy, and culture while developing an industry first technology leading platform. Developed fintech platform from ideation to development that automated the creation, aggregation, and structuring of mortgage assets (Non-QM RMBS). Streamlined MBS ecosystem and built a proprietary digital platform employing AI and machine learning tools to eliminate inefficiencies and redundant approval processes.- Developed algorithmic credit underwriting platform and proprietary LOS/pricing tools.
- Built sleek and advanced user experience for stakeholders across complete suite of products.
- Decision engine analyzed $3B+ in originations and sold over $750M in RMBS into securitization.
- Led a dynamic team of 200+ in technology and operations, integrating advanced AI/ML technologies to navigate through critical regulatory changes.

Lago Six CapitalManaging Director / Chief Technology Officer

2017 - 2019

Spearheaded the strategy and implementation of a quantitative fund investing across various fixed income asset classes focused on asset backed securities. Developed platform and proprietary underwriting models to evaluate whole loan purchases and bids providing real-time analytics and execution in fractions of a second.- Automated bid process & credit decisioning by connecting originators and marketplace API's.
- Managed portfolio of whole loans aggregated via marketplace lending. Primary focus on RMBS, consumer receivables, small business lending, and litigation finance.
- Built AI/ML based risk platform with real-time pricing, portfolio forecasting, & settlement.

ArgonManaging Director / Chief Technology Officer

2013 - 2016

Directed the technology platform, product, and capital markets functions. Scaled founding team to 200+ employees in 18 months. Managed technology teams on three continents simultaneously. Built a consumer lending marketplace enabling consumers to find consumer loan lenders. Utilizing AI and Machine Learning models to automate underwriting. Banking as a service (BaaS) platform. Venture backed FinTech marketplace focused on improving consumer lending utilizing AI/ML to automate underwriting and loan origination. Provided initial investment in the platform from AOC, and advised the founders and capital markets team.- Directed development and management of AI-powered financial products, reducing processing times by 70% and decreasing risk, resulting in a 340% increase in revenue.
- Developed and executed technology and product strategy that resulted in a scalable infrastructure, supporting innovative loan products and driving a 427% annual surge in applications.
- Architected and implemented a robust tech infrastructure capable of managing over a million ledger transactions monthly, which supported a 900% growth in customer base over two years.

AmericaOne CapitalManaging Director of Capital Markets & Portfolio Board Member

2012 - 2014

Leveraged extensive experience in credit risk modeling to develop and finance innovative strategies across alternative asset classes. Scaled digital consumer lending platforms, guiding them from inception to successful exit. Led the initial investment in Argon.- Collaboratively developed credit models with founding teams and forged strategic partnerships with rating agencies and credit funds.
- Led global capital-raising initiatives, effectively presenting to LPs, private equity, and credit funds.

WintrustManaging Director - RMBS Strategy & Technology

2010 - 2012

Leveraged strategic and technological expertise in RMBS to establish a consumer direct division, create a proprietary platform for super-prime mortgages, and advance quantitative analytics, driving annual origination growth beyond $4 billion.
- Oversaw the development of comprehensive mortgage lifecycle components—from lead generation to securitization.
- Directed credit analysis and pricing for mortgage and consumer portfolios.
- Founded and built consumer direct platform from zero to one!
- Grew originations from $2.4B to $4B+ annually.
- Built platform and developed technology to support high net worth clientele.

SFGManaging Director

2006 - 2010

Developed consumer direct mortgage banking business and proprietary technology platform generation and scoring system. Led private equity exit to AOC. Managed P&L and drove revenue growth.

HHFAVP of Asset Backed Securities (RMBS)

2002 - 2006

Managed RMBS aggregation and correspondent origination, underwriting, servicing and securitization. Responsible for credit analysis and pool pricing for mortgage and consumer portfolio. Innovated digital strategy, transitioned to internet driven origination from traditional branch and telemarketing model.