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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.

Irfan Ganchi

Chief Product Officer
Irfan Ganchi

Irfan Ganchi

Chief Product Officer
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.
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. 

Portrait of Oportun's Chief People Officer Stacy Newton

Stacy Newton

Chief People Officer
Stacy Newton

Stacy Newton

Chief People Officer

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.

Our board of directors

Carlos Minetti

Carlos Minetti has more than 35 years of experience in consumer lending and credit risk. Most recently as President, Consumer Banking, at Discover Financial Services, a position he held from 2010 to 2023. Minetti led the company’s diversification into Consumer Banking, which included personal loans, student loans, home loans and on-line banking. At Discover, he also previously held the role of EVP, Cardmember Services, where he was responsible for firmwide operations, including customer service, collections, statement and payment processing, new accounts underwriting, card authorizations, and fraud prevention. In his prior role as Discover’s Chief Risk and Credit Officer, Minetti managed credit risk and provided enterprise oversight for market, liquidity, and operational risk. Prior to Discover, Minetti spent more than a decade at American Express in a variety of roles with increasing responsibility. Minetti holds a Bachelor’s degree from the Texas A&M University and an MBA from the University of Chicago.

Ginny Lee

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

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 P. Miramontes

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. Louis received a BS in business administration from California State University, East Bay.

Mohit Daswani

Mohit Daswani is the Chief Financial Officer of ThoughtSpot, Inc., an A.I.-powered analytics company, where he leads the finance and accounting, people, legal, corporate development, IT and real estate teams. Prior to ThoughtSpot, Daswani was Head of Strategy and Finance at Square (now Block) during a period of rapid revenue growth. Daswani was also CFO of Payments, Platform and Risk at PayPal as the company was decoupling from eBay. A veteran of the investment banking and private equity industries, Daswani developed vertical expertise in financial services, healthcare, and IT, as a Principal at JMI Equity, a Principal at FTV Capital, and previously as a long-tenured private equity professional at J.P. Morgan. Daswani earned his MBA from Harvard Business School and a BA in Economics from Columbia University.

R. Neil Williams

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 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. 

Roy Banks

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.

Sandy Smith

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.

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.

 

Carlos Galvez,
Hispanic Executive

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.

 

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.

 

Chandra Bradley,
Profile Magazine

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.

 

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.

Portrait of Oportun's Alicia Dagosta

 

Alicia Dagosta,
Modern Counsel

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.

 

Orson Aguilar,
Hispanic Executive

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.

 

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.

 

Stacy Newton,
Profile Magazine

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.

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