Rebooting the ‘save as html’ magic. Welcome to the AI codegen era…
The incredible speed of progress in AI-assisted application development is currently unleashing a wave of permissionless, creative innovation similar to the early days of the web, something I like to call the ‘save as html…’ era. The mid-to-late 1990s were a time of creative and permissionless innovation, the beginning of the world wide web. In…
Dolphins in the Tuna Net
“Too many dolphins are getting caught in the tuna net!” During the 2008 “great recession”, I was working at American Express in consumer new accounts risk management. For an ambitious and analytical 25 year old, this was an awesome job, being responsible for the underwriting criteria used to approve or decline new credit card applications…
Good Risk Officer, Bad Risk Officer
Ever since reading The Hard Thing About Hard Things, by Ben Horowitz, I’ve often thought about one of Ben’s classic blog posts, Good Product Manager, Bad Product Manager. Despite being written back in the web 1.0 days, its concepts are relevant today, and I frequently recommend them to my team and colleagues. In fact, the…
Bottoms Up Thought Leadership
It occurs to me that a lot of the most interesting and followed thought leaders in various spaces did not achieve that by first being at the top of their fields then deciding to share. They did so by learning in public. While this seems counterintuitive, it also feels like a pattern that emerges everywhere…
Central Connecticut as a Tech Hub?
All this talk about new tech hubs makes me wonder about building one in Central CT, a beautiful place I’ve only discovered in the past 9 months. 2 hours to NYC, 1.5 to Boston or Providence, 60 mins to Stamford and 30 to New Haven. Lower taxes than NY or CA. Proximity to world-class universities,…
Thanksgiving 2020
On this Thanksgiving day, in this most unconventional year, I have so much for which to be thankful. First, I am thankful for my health and that of my family. My father was sick for my entire childhood, and I know that the greatest blessing is to wake up each day in good health. I…
Experiences That Are Better Remote
Last week, I participated in a fully-remote design sprint, a 5 day, 6+ hours/day, highly focused exercise to solve a problem and prototype a product with a cross functional group. As the week went on, I came to a surprising realization. The activity wasn’t worse for being remote. It was actually better. I’ve always been…
On Voting
Voting is a sacred right and profound responsibility for all Americans. In addition to being the mechanism for choosing our elected leaders, it is a manifestation of our country’s founding ideals. In the American philosophy, power and legitimacy come from the people – not from a sovereign monarch or religious authority. We hold this power…
It is not your duty to finish the work
“It is not your duty to finish the work, but neither are you at liberty to neglect it” – Rabbi Tarfon, Pirkei Avot These words appear in the Mishna, the first major work of Jewish Rabinnic Literature. The passage quoted is found in so many places that inspire and give meaning to people. It is…
Consumers, Cars & Credit: The Auto Loan Market Reveals Underlying Trends in Consumer Lending
To read the full post, head to https://www.ocrolus.com/blog/auto-loan-market-reveals-underlying-trends-in-consumer-lending/ Cars and credit are two of my favorite topics. Last week, I spoke to Ed Garsten at Forbes to share thoughts on tightening underwriting standards in auto finance, along with the deeper trends driving evolution in consumer credit more broadly. Amidst higher delinquency rates, uncertainty around post-pandemic consumer financial health,…
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To Order Chaos 