Matt Harris is an entrepreneur and investor and the founder of Bloom Credit, an API platform for credit data access and analysis. Currently, Matt is focused on investing and advising, working with VC-backed founders and advising companies in the credit space.   Among other things, Matt is an advisor to Commerce Ventures, writing scout checks and helping the fund make fintech investments.   Matt is also an active angel, having invested in 10+ fintech companies including TrueAccord, Karat and HM Bradley and a number of others.   In this conversation, we discuss the level of understanding among VCs and founders of the credit business, the inputs to effective underwriting, how to build a great credit business, emerging opportunities like embedded credit and more.   Thank you very much for joining us today. Please welcome, Matt Harris.