Our People

Joseph is a seasoned executive with over 35 years of experience in consumer finance and asset management. His visionary leadership and strategic acumen have consistently propelled companies to industry-leading positions, setting new benchmarks for performance. A pioneer in fintech consumer lending, Joseph has an impressive track record of driving growth, fostering innovation, and delivering exceptional results.

Joseph began his career at Fisher Investments as Director of Research before founding Hilspen Capital Partners, a long/short equity hedge fund and research boutique. He later joined Lending Club at what was the inception of the fintech consumer lending industry, and in 2011 became President of Prosper Marketplace, at the time the second-largest fintech consumer lender. In 2013, he joined Freedom Financial (later Achieve.com) and launched their successful lending division. Under his leadership, the division grew into a highly profitable consumer lending business, with a top-performing $2 billion consumer credit fund and a robust securitization program that received AAA ratings from two separate rating agencies. In 2022, he was recruited by Axar Capital to start the lending operation for JG Wentworth, and later joined Axar in 2023 to support their consumer finance strategy. Joseph holds a B.A. in political science from the University of California at Santa Barbara.

Judy joined ADF in March 2024, bringing over 25 years of experience in all areas of regulatory compliance. Prior to joining ADF, Judy held chief compliance officer and senior leadership compliance roles at various banks, administering, implementing, and overseeing complex compliance management programs for all types of products, including consumer and business lending. She also holds and maintains three compliance industry certifications: Certified Regulatory Compliance Manager (CRCM), Certified Information Privacy Professional, with a U.S. specialization (CIPP/US), and Certified Anti-Money Laundering Specialist (CAMS). Judy earned a B.S. in business management from Brigham Young University and an M.S. in cybersecurity from Utah Valley University.

Glen joined ADF in April 2016, bringing over 30 years of experience in accounting and corporate finance at both private and public companies. Prior to joining ADF, Glen was the CAO of Encore Capital Group, a public, $1 billion market cap international specialty finance company. Prior to Encore, he helped lead a San Diego based REIT’s IPO and designed and implemented its Sarbanes-Oxley compliance program. Prior to that, he was the CFO of both a private and a public restaurant company. He began his career with Arthur Andersen in September 1986, where he practiced as a certified public accountant. Glen earned a B.S. in accounting from Pepperdine University.

With over 25 years of experience in consumer and business lending, Troy joined ADF in January of 2024. Prior to that, he was a Senior Managing Director at OneMain Financial. Troy has previously had senior roles as a consultant with expertise in credit, product, and marketing, and additionally worked for investment firms specializing in consumer and small business lending asset classes. He was formerly a Managing VP and Credit Officer for Capital One across a range of business units. Troy earned a B.S. in electrical engineering with Highest Distinction from The University of Virginia.

With over 25 years of experience in corporate strategy and direct and digital marketing, Broud has been with ADF since September 2014. Immediately prior, he worked as a consultant to large, public banks and financial services companies on their digital marketing strategies. He was SVP Digital and Direct Marketing at SunTrust Bank and VP Marketing Strategy at Washington Mutual Card Services. Previously at Capital One Financial in Marketing and Analytics for several years. Broud earned a B.A. in applied mathematics from Brown University and a M.B.A. from the Harvard Business School.

Craig has been with ADF since the company’s inception in late 2014. He has over 30 years of experience building products and solutions that leverage machine learning at their core, starting with HNC Software’s Falcon system (now owned by FICO). Craig spent 14 years at FICO, building predictive solutions in Financial Services, Healthcare, and Insurance. He was then the Chief Architect at Global Analytics (now GAIN Credit), helping to launch Lending Stream. Most recently, Mr. Nies was the VP of Software Development at Opera Solutions followed by a role as the Chief Analytics Officer at Elevate. He earned a B.S. in computer science from the University of California San Diego.

Shibani joined ADF in July 2015. She has over 19 years of relevant experience in operations, product management and process management leading and developing diverse teams cross functionally across multiple geographies. Prior to joining ADF, Shibani was at Global Analytics (now GAIN Credit) serving as Vice President of Operations and General Manager of Lending Stream, a leading fintech company in the U.K. Shibani earned her B.S. in computer science from Stanford University in 2003.

Lakshmi joined ADF in July 2015. She has over 19 years of experience in analytics, software, operations, project management and finance. Prior to ADF, Lakshmi was at Global Analytics (now Gain Credit) leading multiple business functions and later, served there as Head of overall India operations. Lakshmi has a post-graduate degree in statistics from Madras University.

Greg joined ADF in August 2019. He has nearly 15 years of relevant experience in legal and regulatory practice focused on consumer finance and related services. Prior to joining ADF, Greg spent 7 years at Encore Capital Group in a variety of legal roles including licensing and regulatory compliance, and litigation management. He received his J.D. from the University of Denver, Sturm College of Law, and his B.S. in Business Management from Drake University.

Melissa has over 25 years of relevant experience in finance, accounting and business intelligence. She was one of the earliest hires at ADF, joining in 2015 shortly after the company was founded. She previously served for eight years as Senior Director of Finance at Websense, where she managed an international FP&A team and led the business intelligence cross-functional team. Prior to Websense, she worked at HNC (later FICO) from 1998 to 2007, progressing from Senior Financial Analyst to Senior Director of Finance. Melissa earned a M.B.A. from UCLA and a B.S. in finance from the University of California, Berkeley.

Gopalan Raman brings over 18 years of relevant, hands-on experience in human resources and operations at Indian start-ups, from talent acquisition to team development. He spent a decade at Global Analytics India (now part of GAIN Credit), eventually overseeing the company’s HR activities and executing innovative recruitment strategies to scale the workforce from 10 to 300 team members. Gopalan has a deep understanding of technology, analytics and operations, especially in the fintech domain, and holds a M.Sc. in mathematics from the University of Hyderabad and a M.A. in mathematics from Temple University.