Earnin
James Cho is a seasoned marketing professional with extensive experience in growth strategies and digital marketing across diverse industries. Currently serving as the VP of Marketing, Growth at EarnIn since December 2022, James previously held senior positions at Haus.com and Walmart eCommerce, where responsibilities included leading marketing efforts for consumer electronics and online grocery segments. Instrumental as an early team member at SmartThings, James directed customer acquisition strategies post-acquisition by Samsung. Additional roles include managerial positions in online marketing at George Washington University and digital consultancy at Porter Novelli, along with earlier experience at the Clinton Foundation and as a junior media planner. James holds an MBA from NYU Stern School of Business and advanced degrees in Communication Arts and Biochemistry.
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Earnin
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Earnin’s mission is to build a financial system that works for people. Every year, while Americans wait for their paychecks, more than $1 trillion of their hard-earned money is held up in the pay cycle. As a result, Earnin accumulates over $50 billion in late and overdraft fees and turn to high-interest loans. Earnin seeks to eliminate those fees and put money back into workers’ hands.