Andrew Hill transforms how fintech companies scale responsibly, proving that disciplined risk management and expanded financial access create the strongest foundation for sustainable growth. As Chief Credit Risk Officer at DigniFi, Andrew brings over 15 years of experience in consumer lending and AI-driven underwriting. Previously, he led credit organizations at Octane Lending and Above Lending, where he drove credit transformations, strengthened governance, and scaled multi-vertical lending. At Octane, he increased annual originations 5x to $1.2 billion while reducing loss rates by nearly 50%, including expansion into automotive and powersports financing directly relevant to DigniFi’s mission. Andrew’s experience includes securitizations totaling over $2 billion and partnerships with tier-1 banking institutions. Raised on an Indiana farm and holding a Master’s in Astronomy & Astrophysics from the University of Chicago, he applies analytical rigor to uncover opportunities in complex credit environments.