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The Mike Litton Experience

From Shanghai to Harvard & Beyond: MJ’s Unbelievable Journey of Resilience and Leadership

The Mike Litton Experience

Mike Litton

Careers, Kids & Family, Business, Parenting

51.2K Ratings

🗓️ 20 November 2025

⏱️ 54 minutes

🧾️ Download transcript

Summary

In this powerful episode of The Mike Litton Experience, Mike sits down with MJ, the Chief Strategy Officer at Credibly, whose extraordinary life journey spans from the crowded housing blocks of Shanghai to the halls of Harvard University and onto leading cutting-edge AI transformation in fintech. MJ shares a gripping firsthand account of surviving 9/11 […]

Transcript

Click on a timestamp to play from that location

0:00.0

So we had 12 people to one bathroom,

0:03.8

and I have these very vivid memories of I'm in the shower

0:08.0

in this like really, really decrepit bathroom,

0:11.8

and someone is next to me washing a basket of fish

0:16.0

as like giant cockroaches are like climbing down

0:19.4

from the sides of the shower. And so you never really

0:22.6

learned like, it was like, you're in the bathroom. The girl who sat in front of me, whose name is

0:27.1

Kara Benson. And the only reason I remember this is because of 9-11, turns around and looks out

0:33.6

the window behind us. And she says, oh, my God, a plane just went into the World Trade Center. So now, of course, we are all running to the window behind us and she says, oh my God, a plane just went into the World Trade Center.

0:39.2

So now, of course, we are all running to the window and looking at what's happening.

0:43.4

So we're just standing there.

0:45.3

Teenagers, no one knows what's happening.

0:48.2

The school had TVs in every room.

0:50.9

So eventually the teacher turned on the TV to see what was happening. You can tell your

0:55.7

brain to think about this differently. Clearly, they're not there yet, but this ability to believe that

1:01.1

you can control, like you can control your feelings, you can control how you, you know, your mind. And it was,

1:06.3

it seems like such simple advice, but it's very common, especially from like sort of the Chinese,

1:11.5

it's just like, yeah, you just need to go. In fact, a lot of Eastern medicine is like that. So my job

1:15.6

primarily is to generate originations, which is essentially we make loans to small businesses.

1:21.4

So I own the, I own the P&L from like a sales perspective. I expanded my role in the past few years into also chief strategy

1:29.8

officer because I was leading the generative AI transformation of the company, which is honestly,

1:36.1

like, as I'm speaking to you, I am sitting in a conference center at an exec MBA at Wharton

...

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