Angel is a thought leader on fintech innovation, technology and credit. He has extensive experience in credit and investment analysis. He has worked at Morgan Stanley, assisting in the management of discretionary credit portfolios for Latin American institutions. Prior to Morgan Stanley, Angel worked as an analyst at Elm Equity Partners, a private investment firm that makes investments in companies focused on SaaS. He holds a BBA from Villanova University Business School where he majored in Finance and minored in Accounting.