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.