Frank Rotman

Frank Rotman has spent three decades at the intersection of money and human behavior, first helping build the modern consumer-credit system and now backing and building the companies reshaping it. One of the earliest hires at Signet Bank’s credit-card operation, which spun out to become Capital One, he spent 13 years there as an executive and its first Chief Credit Risk Officer, helping take the company public.

In 2007 he co-founded QED Investors, now one of the most respected fintech venture firms, managing roughly $4.3 billion across more than 250 companies, including 29 unicorns. As Chief Investment Officer, he led QED’s investment in Credit Karma, acquired by Intuit for $7.1 billion, and played a central role in bets on SoFi, Flywire, Nubank, GreenSky, and Klarna. Forbes has named him to its Midas List of top investors for seven straight years.

In 2025 he became Partner Emeritus at QED to build his own companies through his holding company, 37Maru, splitting his time between new ventures, mentoring founders, and writing. He reaches a large audience as @FintechJunkie on X and Substack. His first book, ArrowProof (2026), maps the startup journey through two first-time founders, drawing on advice he’s given hundreds of companies.

Lately his lens has turned from institutions to individuals. His next book, Unbroke: Why the Old Money Rules Are Broken and How to Fund the Life You Actually Want, argues that most personal-finance advice was built for a world that no longer exists. It’s the philosophy behind a personal-finance startup he’s building in stealth.

Rotman holds a B.S. in Applied Mathematics and an M.S. in Systems Engineering from the University of Virginia. Away from work he reads great novels, watches embarrassingly bad reality TV, and writes children’s books.