Kalpesh Kapadia\u2019s career spans 15+ years in the US + 5 years in Asia, primarily in technology & finance. Prior to co-founding SelfScore he was one of the foremost analyst/investors in Wall Street\u2019s tech sector. In 2004 he was ranked the #1 analyst in the US across all sectors by the Wall Street Journal. In 2005 he founded Equanum Capital & successfully managed it through 2012. In \u201907 & \u201909, Equanum Funds were one of the best managed global equity funds in Barrons.com & Asiahedge rankings. He earned an MBA from Carnegie Mellon University & an MS in Industrial Engineering from NJIT. He came to the US over 20 years ago as a young student & struggled to establish his credit profile. Through SelfScore, he plans to ease the challenges for this deserving but underserved population.