Eric Hedberg

Eric is a seasoned consumer credit risk analyst and leader. He has deep experience leading credit and product strategy, pricing, underwriting, fraud prevention, and loss mitigation functions at leading fintechs and banks. His expertise spans a broad spectrum of asset classes, including point-of-sale lending, buy now pay later (BNPL), credit cards, auto finance, and mortgages. Prior to joining Encina, Eric most recently led the credit and risk functions at Scratch Financial, and previously held positions at Sezzle, Wells Fargo, and Capital One.

Eric graduated from St. John’s University with a BA in Economics, and also holds a JD from Mitchell Hamline School of Law and an MBA from the University of Minnesota.<