Joseph Toms

Head of Consumer Finance

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Joe Toms is Head of Consumer Finance at Axar, which he joined in 2023. Most recently he was President & Chief Strategy Officer at JG Wentworth. Previously, Joe was President & Chief Investment Officer at Freedom Financial Asset Management, where he created the Freedom Consumer Credit Fund and was responsible for all aspects of lending, including credit underwriting, origination, loan servicing, bank partnerships, investor capital and asset backed securitization. Joe has also held senior roles at consumer lending Fintechs Prosper Marketplace and Lending Club and was the founder and Managing Principal of Hilspen Capital Partners, a long/short equity hedge fund and research boutique. He began his career at Fisher Investments, where he was Director of Research. Joe graduated with a B.S. in Political Science from University of California, Santa Barbara.