Nov 19, 2018

Tom McCammon joins ApplePie as Head of Credit/Risk Operations

ApplePie Capital is pleased to announce that Tom McCammon is joining us as Head of Credit/Risk Operations.  With over 15 years of hands on experience in SMB credit, management and operations, Tom brings more depth and breadth to Apple Pie Capital's already strong team. 

Tom is veteran of two de novo chartered financial institutions where he spent nearly a decade learning, refining, and practicing SMB credit origination, underwriting, and portfolio management. After leaving banking, he spent two years as a consultant to FDIC during the financial crisis overseeing on-site bank closings and managing a team of underwriters performing portfolio reviews of failed banks' assets in support of insurance fund recoveries. 

Next, he was an early OnDeck employee through their $1.6B IPO and beyond. In that role he served as head of underwriting, as well as standing up escalations, fraud, loan review, QA, and training teams within the organization, as well as leading credit and operational strategy to launch of OnDeck Canada and Australia. In support of his various teams, he oversaw or was a key contributor to many technological inventions, innovations, and implementations, notably: credit model development from v2.0 to v5.3, 3rd party data integration, business rules engine development, fraud scoring, and credit file architecture. These technology initiatives resulted in 75% SLA reduction and over 75% loan approval automation. 

Tom has managed risks and teams of all sizes across many stages of the business, credit, and economic life cycles. He believes deeply in employee empowerment and education, as well as building a collaborative and vibrant corporate culture.