Ray Kluender is an assistant professor in the Entrepreneurial Management Unit at Harvard Business School and a faculty affiliate at the Abdul Latif Jameel Poverty Action Lab (J-PAL). He studies the causes of financial distress among American households and how government, private insurance, and credit markets should function to insure those risks. In recent projects, his work has 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 the American Economic Review, American Economic Journal: Applied Economics, and the New England Journal of Medicine and has received coverage by The Washington Post, The New York Times, and Associated Press. Kluender received a PhD in economics from MIT and a B.S. in Economics, Mathematics, and Political Science from the University of Wisconsin-Madison.
