Meet our leadership team

Deepak Rao

Chief Technology Officer
Deepak Rao

Deepak Rao

Chief Technology Officer

Deepak joined Oportun as our chief technology officer in 2023 after serving as  VP of Engineering at SoFi. Prior, he spent nearly two decades at Microsoft in a variety of technology and executive roles. Deepak has a Masters degree in Computer Engineering and a Bachelors degree in Computer Engineering from Case Western Reserve University. He uses his creative technology and product skills to invent solutions for real problems and people, and he is the inventor on 16 patent applications. 

Portrait of Oportun's Ezra Garrett

Ezra Garrett

SVP, Public Affairs and Impact
Ezra Garrett

Ezra Garrett

SVP, Public Affairs and Impact

With more than two decades of experience in government relations, community relations, and public affairs, Ezra fills a vital role at Oportun as senior vice president of public affairs and impact. Prior to Oportun, Ezra was vice president and chief sustainability officer at Pacific Gas and Electric Company, and on the community relations team at Target. Ezra’s commitment to impact shows through his time on the boards of the Latino Community Foundation and Leadership San Francisco.

Portrait of Oportun's Gonzalo Palacio

Gonzalo Palacio

Chief Marketing Officer
Gonzalo Palacio

Gonzalo Palacio

Chief Marketing Officer

Building on extensive experience designing and scaling financial products, Gonzalo serves as Oportun’s Chief Marketing Officer. Prior to Oportun, Gonzalo served as the CMO for a Fenway Summer credit card startup. His experience includes 15 years at Capital One, where he held multiple positions including head of consumer deposit products. Traveling with his family and listening to live music are two of Gonzalo’s favorite pastimes.

Portrait of Oportun's CFO Jonathan Coblentz

Jonathan Coblentz

Chief Financial Officer
Jonathan Coblentz

Jonathan Coblentz

Chief Financial Officer

With over a quarter century of experience in the consumer finance industry, Jonathan has served in his role at Oportun since 2009. He previously acted as chief financial officer and treasurer at MRU Holdings through the credit crisis of 2007–2009, and also worked at Fortress Investment Group, Goldman Sachs, and Credit Suisse First Boston. In addition to solving financial puzzles, Jonathan proudly completes the New York Times crossword every day.

Portrait of Oportun's Kate Layton

Kate Layton

Chief Legal Officer, Corporate Secretary
Kate Layton

Kate Layton

Chief Legal Officer, Corporate Secretary

Kate has provided her legal expertise to Oportun since 2016. Prior to joining Oportun, Kate served as director and senior corporate counsel at ServiceNow and at Simpson Thacher & Bartlett and McDermott Will & Emery. Her extensive legal experience makes her a critical asset to the Oportun team. If she’s not working or rowing, you can find Kate cheering on the Wisconsin Badgers.

Portrait of Oportun's Pat Kirscht

Patrick Kirscht

Chief Credit Officer
Patrick Kirscht

Patrick Kirscht

Chief Credit Officer

Patrick has led Oportun’s risk strategy for more than a decade. In prior years, he helped facilitate Metris Companies’ IPO as head of planning and analysis, transitioned into risk management, and after HSBC’s purchase, became senior vice president and managed policy for large credit card portfolios. In addition to driving Oportun’s core intellectual property in risk scoring, Patrick has helped Oportun win two flag football championships as a ferocious pass rusher and a speedy receiver.

Raul Vazquez

Chief Executive Officer
Raul Vazquez

Raul Vazquez

Chief Executive Officer

Raul Vazquez is the CEO of Oportun, a mission-driven fintech that puts its 2 million members’ financial goals within reach. Under Raul’s leadership, Oportun has been transformed into a publicly traded financial services provider helping members with their daily borrowing, savings, and budgeting needs. Raul joined Oportun in 2012 after having held senior leadership roles at Walmart, including President and CEO of Walmart.com, and EVP and President of Walmart West. Raul holds a BS and MS from Stanford University in Industrial Engineering, and an MBA from the Wharton School of Business. Raul serves on the Board of Directors of Intuit and has previously served as a board member for Staples, and the National Association of Latino Asset Builders (NALCAB). He has also been a member of the Consumer Financial Protection Bureau’s (CFPB) Consumer Advisory Board and served as Chair of the Federal Reserve Board’s Community Advisory Council. 

Our board of directors

Our board has deep familiarity with our business, industry and target customer base and is essential in serving the best interests of our shareholders, employees and members.

Meet our board

Profiles

We’re proud that so many talented professionals have chosen Oportun as their workplace—and even prouder of all they accomplish. Together, our team members bring a wealth of expertise to shaping Oportun’s financial services, from personal loans and credit cards to savings, investment, and money management products.

We’re not alone in our appreciation. Several publications have recently profiled the team members listed below.

 

Pamela Lujan,
Modern Counsel,
Silicon Valley Business Journal

Rising legal star Pamela Lujan has been honored by both Modern Counsel and the Silicon Valley Business Journal for her exceptional leadership. As Senior Director and Senior Corporate Counsel, Pamela played a major role in Oportun’s successful IPO and other strategic transactions. She’s also deeply involved in several diversity and inclusion efforts internally and externally. Her best advice to those she mentors? “Speak up, ask questions, and go for it.”

Portrait of Oportun's Kate Layton

 

Kate Layton,
Silicon Valley Business Journal

Congratulations to Kate Layton, Oportun’s Deputy General Counsel and Corporate Secretary, on being named one of 100 Women of Influence by the Silicon Valley Business Journal. In this online interview she discusses teamwork during the pandemic, the challenges facing women in leadership, and her love of corny jokes. Who does Kate admire most? She’s “in awe of” media icon Oprah Winfrey.

 

Gonzalo Palacio,
Hispanic Executive

Like so many of our executives, Gonzalo Palacio is passionate about making a positive contribution through his work. Prior to leading our marketing organization, Gonzalo led the development and launch of Oportun’s credit card business, calling on skills honed in banking services and the values instilled in him by his extended family in Colombia. Gonzalo has been featured in Hispanic Executive.

 

Raul Vazquez, CEO,
Hispanic Executive

Our CEO, Raul Vazquez, operates with a servant style of leadership that sets the tone for our corporate culture and day-to-day operations. Under his guidance, Oportun has revitalized its technology and streamlined its loans, credit cards, and savings, and money management services. Raul is known for his hands-on approach, dedication to excellence, and willingness to listen. Hispanic Executive profiled him in January of 2020.

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