James is responsible for technology and risk. He figures out the clever stuff in the background.James has a BSc in Theoretical Physics from Imperial College and a PhD in Theoretical Physics and Applied Probability from Kings College London.Prior to co-founding iwoca, James was a VP at Deutsche Bank where he worked as a quantitative trader in structured credit.In his free time James cycles his road bike, thinks about maths and walks his much-loved Labrador Pirate.