• Lauren Bonner Partner
  • Lauren is Partner at 1/0 and an advisor and builder of fintech startups. Previously, she was a Senior Manager at Bridgewater Associates, the world’s largest hedge fund. She is a graduate of Harvard College and active in philanthropy.
  • Nicholas Calamari Senior Partner, General Counsel
  • Nick is General Counsel of 1/0 and an experienced lawyer in transactional and commercial litigation. Before 1/0, he was an attorney at Quinn Emanuel focused on structured credit and corporate litigation. He is a graduate of Dartmouth College and has a JD from Fordham, cum laude.
  • William DeVar Partner
  • William DeVar is the Co-Founder of Tridster. He was previously a senior member of the product and business development teams at Better Mortgage, and prior to that, VP of Operations and Finance at Embark. He holds a B.A. degree with Distinction from the University of Virginia.
  • Zach Frankel Partner
  • Zach is a trained physicist with a deep interest in machine learning. He previously worked at Metabiota, Founders Fund, and Goldman Sachs. He was valedictorian at Harvard and then continued his study as a Rhodes Scholars.
  • Vishal Garg Founding Partner, Chief Executive Officer of Better
  • Ziggy Jonsson Senior Partner, Co-founder and Chief Technology Officer
  • Ziggy is the Chief Technology Officer of 1/0. He was previously a Partner at ARAM Global and the Head of North American Structured Credit Trading at BofA. Prior to Bank of America he was part of the senior executive team at Kaupthing Bank and Glitinir Bank, two of Iceland’s largest banks. He holds a BS from the University of Iceland and is active in the open source community.
  • Ross Lukatsevich Partner
  • Ross is the founder and CEO of Tanzin Capital LLC, a Tech/Media investment partnership. He was previously a Partner at Access Industries (25BB+ family office) and an investor at General Atlantic Partners. Ross started his career as an analyst in the Mergers & Acquisitions department of Morgan Stanley Ross graduated with high honors from Duke University with B.S degrees in Computer Science and Economics. He is a member of the Council on Foreign Relations, a fellow of the Wexner Foundation Heritage Leadership Program and a member of Natan.
  • Alexander Rafael Partner
  • Zander is the Founder of Climb Credit. Previously he founded and ran a SaaS marketing product (sold in 2013). Before that he was a consultant at BCG focused on financial services and a researcher at Bridgewater Associates. He graduated from Harvard College with a BA and MA with honors in History and Economics.
  • Dom Savino Partner, RMBS Portfolio Strategy
  • Dom was previously Head of MBS/ABS Portfolio Strategy at Institutional Credit Partners LLC, one of the largest non-bank asset managers of residential mortgages and structured credit. Previously Dom held senior roles in mortgage sales and trading at Greenwich Financial and Credit Suisse. He holds a Bachelor of Arts Degree from Fordham University.
  • Viral Shah Partner, Capital Markets
  • Viral joined 1/0 Capital to focus on mortgage origination and analysis. He was a CLO trader at Citigroup, and before that began his career in building technology for auto decisioning and verification at MyRichUncle. He holds a Bachelors degree in Finance from the NYU Stern School of Business.
  • Amit Sinha Partner
  • Amit is the former CFO of Climb. He was Head of Financial Market Sales at Standard Chartered and Head of MENA Structured Products at JPMorgan before that. Previously, he was a Managing Director at Bear Stearns in Prinicipal Finance as well as the lead principal, setting up Bear Stearns' lending operations in emerging markets. Amit has a Bachelors of Technology degree from IIT, Mumbai, a MS degree in Civil engineering from NCSU and an MBA in Finance from NYU.
  • Mingsung Tang Partner, Head of Quantitative Analytics
  • Mingsung previously built corporate and structured credit analytics models at UBS and MBIA. He holds a Ph.D. in Finance from Yale University and a Bachelor of Science degree in Mathematics from Beijing Polytechnic University.
  • Andrew Unger Partner
  • Previously, he was the co-founder and CMO of Lifebooker. He is a Phi Beta Kappa graduate of Amherst. In 2003, Andrew was the Massachusetts State Battle Rap Champion.


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You may, through hypertext or other computer links, gain access to third parties sites on the World Wide Web which are not related to or maintained by 1/0 Capital. Links to third party sites do not necessarily imply partnerships, relationships or affiliations with such third parties and 1/0 Capital takes no responsibility for the content therein, regardless of whether the link is provided by 1/0 Capital or a third party. No judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of any Web site to which the Web Site may link, including information on such other Web site regarding 1/0 Capital. By providing access to other Web sites, 1/0 Capital is not endorsing the products and services provided by any Web site’s sponsoring organization. Linking to other content within the Web Site is prohibited without 1/0 Capital’s express written consent. Please e-mail requests for such consent to This limited license expressly prohibits the framing of 1/0 Capital’s content in any way or any other activity that may create a misimpression or confusion among users with respect to sponsorship or affiliation including, without limitation, hyperlinks or a form of link that disguises the URL and bypass the homepage. Your correspondence or business dealings with, or participation in promotions of, any advertisers found through the Web Site, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser.

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We recognize that you have an interest in how we collect, retain and use information about you. We may collect certain information about you through the use of “cookies”, which are small pieces of information that are stored by your browser on your computer’s hard drive. We collect, retain and use information about you solely for the purpose of better understanding our users and their use of the Web Site. We may also collect information through the forms you complete when you elect to subscribe to e-mail newsletters. We consider your data to be private and confidential, and we hold ourselves to the highest standards of confidentiality in their safekeeping and use. 1/0 Capital will not release information collected about you unless we receive your prior consent or we are required by law to release information to the recipient.

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