Oportun CEO and leadership

Raul Vazquez has served as chief executive officer and board member of Oportun, a financial technology company since April 2012. Prior to joining Oportun, Vazquez spent nine years at Walmart in various senior leadership roles, including executive vice president and president of Walmart West, chief executive officer of Walmart.com, and executive vice president of Global eCommerce for developed markets. Vazquez previously worked in startup companies in e-commerce, at a global strategy consulting firm focused on Fortune 100 companies and as an industrial engineer for Baxter Healthcare. Mr. Vazquez also served as a member of the board of directors of Staples, Inc. from 2013 to June 2016. In September 2015, Vazquez was named to the Federal Reserve Board’s Community Advisory Council and currently serves as its vice chair. Mr. Vazquez received a Bachelor of Science and a Master of Science degree in industrial engineering from Stanford University and an MBA from the Wharton Business School at the University of Pennsylvania.

Attorney and compliance specialist with MBA and JD. Demonstrated expertise in compliance risk management, consumer regulatory, mortgage, consumer lending and deposit product compliance, collections, loss mitigation and bankruptcy law and litigation management. Director and Head of US Investment Finance and Banking Product compliance (IF lending, mortgage lending, trust, custody, deposit and banking, privacy, fair lending) for large global private bank. Formerly served as chief compliance officer for three retail divisions of a leading global bank. Strategic business partner providing sound legal and compliance advice for optimal results. Strong legal and compliance experience in top tier law firm and financial services firms.

Specialties: Consumer Banking Regulations, Compliance Risk Management, bankiing, consumer lending, mortgage lending, regulatory change management, mortgage loss mitigation, consumer collections and bankruptcy law, litigation management. Extensive experience in large global banks in both the retail and investment banking organizations.

Matt Jenkins is a Chief Operations Officer and General Manager, Personal and Auto Loans at Oportun and is based in Frisco, Texas. He has worked as Managing Director - Head of Global Consumer Operation Functions at CITIGROUP INC, Vice President - Cardmember Service Chief Finance Officer and Director Bus. Analysis at First Usa Bank, and Intelligence Analyst/Spanish Linguist at United States Army. Matt attended The University of Texas at Austin between 1993 and 1995.

Patrick Kirscht is a VP:Planning & Analysis at HSBC Finance Corp and Chief Credit Officer at Oportun. He has worked as Senior Director:Risk Management at Oportun, Senior VP:Risk Management at HSBC Finance Corp, and VP:Risk Management at Oportun. Patrick studied at Sigma Gamma Tau National Honor Society in Aerospace Engineering.

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.

Raul Vazquez has served as chief executive officer and board member of Oportun, a financial technology company since April 2012. Prior to joining Oportun, Vazquez spent nine years at Walmart in various senior leadership roles, including executive vice president and president of Walmart West, chief executive officer of Walmart.com, and executive vice president of Global eCommerce for developed markets. Vazquez previously worked in startup companies in e-commerce, at a global strategy consulting firm focused on Fortune 100 companies and as an industrial engineer for Baxter Healthcare. Mr. Vazquez also served as a member of the board of directors of Staples, Inc. from 2013 to June 2016. In September 2015, Vazquez was named to the Federal Reserve Board’s Community Advisory Council and currently serves as its vice chair. Mr. Vazquez received a Bachelor of Science and a Master of Science degree in industrial engineering from Stanford University and an MBA from the Wharton Business School at the University of Pennsylvania.