Get the all-in-one app to manage your loan. Plus it intelligently saves, invests, and budgets for you.
Get the all-in-one app that intelligently saves, invests, and budgets for you. Or manage your loan like never before.
Get the all-in-one app that intelligently saves, invests, and budgets for you.
Get the all-in-one app that intelligently invests, saves, and budgets for you. Or manage your loan like never before.
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Get the all-in-one app that intelligently banks, saves, and budgets for you. Or manage your loan like never before.
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.
Building on extensive experience designing and scaling financial products, Gonzalo serves as Oportun’s Chief Marketing Officer. He previously led the development and launch of Oportun’s credit card business. Prior to Oportun, Gonzalo served as the chief marketing officer 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.
As Chief Product Officer, Irfan leads the team in driving Oportun’s product vision and strategy to deliver value to Oportun members. Previously, he led Meta’s growth & adtech teams for reality labs and further developed his expertise through leadership roles at Uber and Amazon. He earned a master’s degree in management science and engineering from MIT and a bachelor’s degree in engineering from Osmania University. Irfan is fluent in four languages and loves long drives, traveling, and watching movies.
Joan leads the legal, compliance, enterprise risk, security and bank charter teams at Oportun (NASDAQ: OPRT), a financial services company that leverages its digital platform to provide responsible consumer credit to hardworking people. Joan is regarded as a specialist in bank risk management and consumer financial services compliance and regulatory issues, especially as they pertain to the fintech world. Joan led the legal team at Oportun through its successful IPO in September 2019 and has since help established the required public company control environment. Joan has over thirty years of experience including over seven years at Oportun and prior experience at Citibank, JPMorgan Chase, Toyota Financial Services and Nissan Motors Acceptance. Joan lives in the Bay area and enjoys taking advantage of the region’s great weather and hiking and biking trails.
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.
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.
A proven leader, Matt has served as Oportun’s chief operations officer since 2016 and general manager for the personal loan business since 2018. Before joining Oportun, he led global consumer operations for Citi, topping off a 17-year tenure. Previously, he worked with the cardmember service team of Bank One (formerly First USA). Matt also served in the United States Army as an intelligence analyst and worked for the National Security Agency as a Spanish linguist. Matt is happiest when he’s combining his greatest passions, family and football, as a coach.
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 has served as Oportun’s chief executive officer and board member since 2012. His past experience includes leadership roles at Walmart, including three years as CEO of Walmart.com, and at high-growth startups. Raul currently serves on the boards of Intuit and the National Association for Latino Community Asset Builders, and he formerly sat on the board at Staples. He has been a member of the Community Advisory Board at the Consumer Financial Protection Bureau and chaired the Federal Reserve’s Community Advisory Council. He holds a BS and MS in industrial engineering from Stanford University and an MBA from the Wharton School. In 2018, he was named EY’s Entrepreneur of the Year in financial services. Raul celebrates the good and bad, the small and big, with ice cream from Dairy Queen.
Stacy became our Chief People Officer in 2021. She has led Oportun’s retail stores and operations since joining the team in 2018, following two decades of leadership in retail and commercial banking. Her experience includes executive roles at Bank of America and SunTrust Bank, where she oversaw the Washington D.C., Maryland, and Virginia region. When not on the road, Stacy enjoys adventures with her family and exploring the monumental attractions of the metro D.C. area.
Carl has served as a member of Oportun’s board since 2010. He brings expertise from his role as an executive advisor at TPG Capital, a leading global private equity firm. Carl retired in 2005 from Visa, where he served as president and chief executive officer for 12 years after holding multiple leadership positions. He also worked as vice president of the international division of Crocker National Bank and vice president of metropolitan banking at Bankers Trust.
Dave has served on Oportun’s board since 2007. He has been a partner at venture capital firm Greylock Partners since 2001 and has been affiliated with Greylock since 1980. Dave also currently serves as a director of several private companies and previously as a director of DoubleClick, Internet Security Systems, SuccessFactors, EMC, and VMware. Dave received a BA from Dartmouth College and an MBA from Harvard Business School.
Ginny Lee recently served as the President and Chief Operating Officer of Khan Academy, a globally-recognized non-profit online education technology organization with a mission of providing a free, world-class education for anyone, anywhere. Prior to Khan Academy, Ms. Lee spent more than 17 years at Intuit, where she held multiple senior operational and technical roles, including Senior Vice President and General Manager of Intuit’s $650M Employee Management Solutions Division, as well as Chief Information Officer. Ms. Lee received an MBA from the Stanford University Graduate School of Business and holds a dual Bachelors degree in Business Economics and Organizational Behavior & Management.
Jo Ann Barefoot is CEO & Co-founder of the nonprofit Alliance for Innovative Regulation (AIR), host of the global podcast show Barefoot Innovation, and Senior Fellow Emerita at the Harvard Kennedy School Center for Business & Government. She has been Deputy Comptroller of the Currency, partner at KPMG, Co-Chairman of Treliant Risk Advisors, and a staff member at the U.S. Senate Banking Committee. She serves on the boards of Oportun and FinRegLab, and on advisory bodies for FINRA and the Milken Institute. She formerly chaired the board of the Financial Health Network and served on the board of the National Foundation for Credit Counseling. She was a co-founder of Hummingbird RegTech.
In 2021, Jo Ann was named Fintech Woman of the Year by Finovate and selected to the Forbes list of 50 Over 50. She is also in the Fintech Hall of Fame and is a finalist to be named one of the Most Influential Women in Fintech for 2023 by the American Banker newspaper. She previously served on the CFPB’s Consumer Advisory Board. She has published a range of whitepapers and nearly 200 articles, and she speaks annually to tens of thousands of people throughout the world.
Louis has served as a member of Oportun’s board since 2014. He is a financial executive and certified public accountant in the state of California. He previously worked as a senior partner at KPMG, managing partner of its San Francisco office, and senior partner of its Latin American region. Louis was also an audit partner providing services to public and private companies with expertise in SEC compliance and Sarbanes-Oxley regulations. He currently serves on the board of directors of Lithia Motors and Rite Aid. Louis received a BS in business administration from California State University, East Bay.
Neil has served on Oportun’s board since 2017. He previously was executive vice president and chief financial officer at Intuit and held similar executive positions at Visa. Neil also served a dual role as chief financial officer for Inovant, Visa’s global IT organization. He is an independent director of RingCentral and previously served on the board of directors of Amyris. He has also held numerous senior financial positions at commercial banks, and is a certified public accountant. He received his BA in business administration from the University of Southern Mississippi.
Raul has served as Oportun’s chief executive officer and board member since 2012. His past experience includes leadership roles at Walmart, including three years as CEO of Walmart.com, and at high-growth startups. Raul currently serves on the boards of Intuit and the National Association for Latino Community Asset Builders, and he formerly sat on the board at Staples. He has been a member of the Community Advisory Board at the Consumer Financial Protection Bureau and chaired the Federal Reserve’s Community Advisory Council. He holds a BS and MS in industrial engineering from Stanford University and an MBA from the Wharton School. In 2018, he was named EY’s Entrepreneur of the Year in financial services. Raul celebrates the good and bad, the small and big, with ice cream from Dairy Queen.
Rick Welts has more than 45 years of experience in the NBA, primarily as a league and team executive, most recently as President and Chief Operating Officer of the Golden State Warriors. In recognition of his outsized contributions to making the NBA a global brand, Mr. Welts was inducted into the Basketball Hall of Fame. Mr. Welts has also been honored with multiple awards recognizing his significant contributions to promoting diversity, inclusion and equality in sports and society, including the ADL’s Torch of Liberty Award and GLAAD’s Davidson/Valentini Award. Mr. Welts currently serves on the NBA’s Team Advisory Committee and Global Inclusion Council and is a board member of the Bay Area Council, the Warriors Community Foundation, and GoPro Inc. Mr. Welts holds a Bachelors degree from the University of Washington.
Roy Banks is the Chief Executive Officer of Weave Communications, Inc, an all-in-one customer communication and engagement platform for small businesses. With more than 20 years of experience in high-tech software development, e-commerce, internet marketing and payment processing, Mr. Banks has also served as CEO Partner at Tritium Partners; President of the LoadPay business unit and a board member of Truckstop.com; CEO of Network Merchants; CEO of Accelerated Payment Technology; and President of Authorize.Net. A five-year veteran of the United States Navy, Mr. Banks holds a Bachelors degree in Business Management from Utah Valley University.
Sandra (Sandy) Smith previously served as Chief Financial Officer for Segment, which was acquired by Twilio. Prior to Segment, Ms. Smith was the Vice President of Finance at Twilio, helping to lead the company through a successful IPO. Ms. Smith has also held senior financial roles at Akamai Technologies and has practiced as outside corporate counsel for multiple public and venture-back companies. Ms. Smith received a JD and MBA from the Boston College. She holds a Bachelors degree in Photography from the University of Michigan.
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.
Growing up in a tough part of San Jose, California, led Carlos Galvez to a career in a field with few Latino faces. Today he serves as head of Security and Crisis Management at Oportun, where his people-first work ethic and commitment to learning have propelled him to the top of his profession. Hispanic Executive applauds Carlos in a September 2022 profile.
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.”
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.
Chandra Bradley relishes the complexity of her job as Oportun’s Senior Director of Enterprise Risk Management, weighing risk factors from multiple perspectives. To encourage and build community with her colleagues that identify as Black, Chandra founded the Black Life, Opportunities, Culture and Connection (BLOCC) Employee Resources Group. She recently spoke with Profile Magazine about the importance of authenticity and empathy in the workplace, and her own path to career success.
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.
Alicia Dagosta has found a professional home as Assistant General Counsel and Head of Product and Regulatory Legal at Oportun. She thrives here in the work culture of collaboration and respect, bringing her unique talents to our team. Modern Counsel talked to Alicia about strength in diversity, human values on the job, and what makes her stand out from the crowd.
General Counsel and Chief Risk Officer Joan Aristei lives her commitment to inclusion and diversity every day on the job. Drawing on a deep background in corporate compliance and regulatory issues, she assembled Oportun’s best-in-class bilingual legal team from the ground up—a team composed primarily of women. An article in Modern Counsel highlights her achievements and philosophy.
In his role as Senior Director of Public Affairs, veteran policymaker Orson Aguilar advocates to help people of all colors and economic circumstances achieve their goals. His collaborative skills and service ethic are a perfect fit for Oportun’s values of inclusion and equality. In an interview with Hispanic Executive, Orson talks about access, empowerment, and opportunity for all.
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.
Stacy Newton excels at integrating values with behavior. Connection, collaboration, and team spirit inform her work as Chief People Officer for Oportun—a role that has become even more crucial during the Covid pandemic. Her innovations have helped foster a deep sense of community and enabled our people to thrive while working remotely. Profile Magazine interviewed Stacy to learn more.
