Ray Kluender

Ray Kluender is an assistant professor in the Entrepreneurial Management Unit, teaching The Entrepreneurial Manager to first-year MBA students.

He studies the causes of financial distress among American households and how government, private insurance, and credit markets should function to insure those risks. His recent projects have focused on improving our understanding of the economic consequences of health care policy, the consumer bankruptcy system, and financial and insurance technology. His research has been published in journals including the American Economic Review, American Economic Journal: Applied Economics, and the New England Journal of Medicine, and received coverage from news outlets including The New York Times, The Associated Press, Newsweek, and The Washington Post.

Ray earned his Ph.D. in Economics from MIT and served as a Post-Doctoral Fellow in Household Finance at NBER before joining HBS. He has a B.S. from the University of Wisconsin-Madison with degrees in Economics, Mathematics, and Political Science.

Companies

• Assistant Professor Harvard Business School (2019)
• Post-Doctoral Fellow in Household Finance National Bureau of Economic Research (2018 — 2019)
• Chief Economist Outline.com (2013 — 2013)
• Research Assistant to MIT Professor Amy Finkelstein National Bureau of Economic Research (2012 — 2013)
• Junior Economist Value-Added Research Center (2010 — 2012)
• Lab Manager Speech Perception Lab at the University of Wisconsin-Madison Department of Psychology (2010 — 2012)
• Intern U.S. Senator Russ Feingold (2009 — 2009)

Education

• Doctor of Philosophy (Ph.D.) Massachusetts Institute of Technology (2013 — 2018)
• B.S. with Honors University of Wisconsin-Madison (2008 — 2012)