Before cofounding of SoFi, Mike Cagney had a series of jobs at the intersection of finance and technology: He was a head trader at Wells Fargo; founded and led Finaplex, a wealth management software company; and founded a hedge fund, Cabezon Investment Group, where he still serves as a managing member. As CEO of SoFi, which launched as a student-loan refinancing startup in 2011, Cagney is trying to redefine financial services. The company now originates both personal loans and home mortgages, and generates revenue by selling that debt to Wall Street at a rate far higher than its other online-lending peers. SoFi also offers its borrowers—which it calls “members”—access to exclusive social events, mentors, and benefits, such as the ability to pause your loan payments if you lose your job. Cagney hosts dinners for the SoFi community at his home in San Francisco, and says the company is working on a dating app for its members.