Dr. Philip Kalikman is University Assistant Professor of Real Estate, Finance, and Economics at the University of Cambridge. Philip researches several areas of real estate and finance including mortgage default and prepayment, housing market dynamics, macroprudential policy, and financial crises. He develops structural, heterogeneous, computational, and AI/ML models. Philip is interested in the interactions among real estate, regulation, and racial discrimination, and in how these affect equality and opportunity. Prior to completing his PhD, Philip worked at a real estate hedge fund, as a consulting economic policy advisor to Secretary of State Hillary Clinton and members of the U.S. Senate, and in fintech venture capital with a former U.S. Under Secretary of the Treasury and U.S. Comptroller of the Currency. Philip continues to advise fintech startups, venture capital firms, hedge funds, and real estate firms. He also serves as Treasurer on the boards of Students for Educational Justice, a youth-led nonprofit driving efforts for racial justice in Connecticut, and of New York Festival of Song, a performing arts organization in New York City. Philip received his MA, MPhil, and PhD in Economics from Yale University and his BA in pure Mathematics from the University of Chicago.