Growing up in New Jersey, Chris Lown experienced from an early age the benefits of hard work. Working as a caddy at a golf course as his first summer job, Chris quickly learned about responsibility, work ethic, and customer service.
Chris also credits his mother, a life-long educator, for instilling in him a drive for success and determination. Beginning her career as a nurse, she moved on to become a professor of nursing, and then dean at a local community college. Through this experience, Chris developed a strong appreciation for the importance of education.
Later, Chris attended Lynchburg College, where several professors had a deep influence on him. "They helped me realize how important teachers are to producing positive outcomes for students," says Chris. "There were professors who had a profound impact on me and pushed me to think about my future and maximize my education."
After graduating from college, Chris moved to Hong Kong to teach English, an experience that taught him the importance of listening and diversity of perspective. "Listening is probably one of the most important skills to have, both in the workplace and in everyday life," says Chris. "I’ve found it to be instrumental in working with and managing teams to help understand everyone’s viewpoints and to look at scenarios from all angles and perspectives. We’re stronger by listening to different points of view."
Chris pursued an MBA from the University of Virginia, where he used student loans to make his achievement possible – loans he paid off through dedicated monthly payments.
As Navient's CFO, Chris deploys more than 20 years of experience in investment banking and equity research and sales in the United States and Asia. Chris was an investment banker at Morgan Stanley for over 10 years, where he was a managing director in the financial institutions group, serving as co-head of the depository, diversified finance, and financial technology practices in North America. In that capacity, he advised clients on capital markets transactions, mergers and acquisitions, and other corporate finance matters.
Before moving to Morgan Stanley, Chris was an investment banker at UBS and Credit Suisse, and was an equity analyst in Asia for Credit Lyonnais Securities Asia. Chris joined Navient as CFO in 2017.