Dr. Ray Kluender

Associate Professor

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Biography

Ray Kluender is an Associate Professor in the Entrepreneurial Management Unit at Harvard Business School, where he also serves as a Berol Corporation Fellow. His research examines the determinants of financial well-being, the nature of financial distress, and the intersection of frontier entrepreneurship and technology in solving social problems. Kluender has focused on the economic consequences of healthcare policy, the consumer bankruptcy system, and the role of financial insurance technology in economic resilience. His work has been published in leading academic journals such as the American Economic Review and the Quarterly Journal of Economics. Kluender earned his Ph.D. in Economics from the Massachusetts Institute of Technology and has served as a Post-Doctoral Fellow in Household Finance at the National Bureau of Economic Research. He holds a B.S. in Economics, Mathematics, and Political Science from the University of Wisconsin-Madison.

Research Interests

Requirements for Harvard Business School

Doctorate Program
Requirements
GPA Requirement
Required:3
GMAT
GRE General
TOEFL
Total
Required:100
IELTS
Overall
Required:7.5
Prerequisites
Bachelor's degree or equivalent Strong quantitative and analytical background
Application Checklist
  • Online application
  • Transcripts
  • Letters of recommendation
  • Resume/CV
  • Statement of Purpose
  • Writing Sample (Optional/Recommended)
Specialization Notes

The PhD in Business Administration is the primary doctoral degree encompassing various areas of study including Business Economics, Accounting, and Strategy.