Misha Ghosh is a member of the supervisory board of Bondora, a leading Peer-to-Peer lending platform based in Estonia. He is part of their credit risk management committee. He serves as a Senior Executive in ADP’s global strategy organization responsible for the monetization of the enterprise’s Big Data assets. Prior to joining ADP, he was with MasterCard. He was the winner of MasterCard's 2014 global innovation challenge by leveraging MasterCard's data assets to the Retail Commercial Real Estate industry. Misha also spent eleven years with Bank of America in senior-level capacities within Decisions Sciences and Analytics. He was recognized by Bank of America as the Inventor of the Year for 2008 for his many innovations within the bank. To date, Misha has fifty-two issued patents and over one hundred U.S and international patent filings pending. Misha holds a B.S in Applied Mathematics and Statistics from San Francisco State University, a M.S in Statistics from University of California, Davis and an MBA from University of Phoenix.