Krishna Gopinathan, Co-founder and CEO
Former founder & CEO of Global Analytics (aka GAIN Credit) and Managing Director of Lending Stream, a leading fintech company which focuses on serving underbanked consumers in the UK. GAIN Credit, with its subsidiary Lending Stream, is one of the largest consumer installment lenders in the U.K. Krishna was also responsible for revamping the underwriting of Kabbage for small business lending, integrating AI and helping raise Kabbage’s valuation to unicorn status. Prior to that, Krishna invented FICO’s Falcon fraud detection system and led a team of 100+ people to create what became the industry standard in credit card fraud detection. Krishna has 25+ years of experience in AI and data science and has authored multiple patents. His 1998 patent on “Risk Determination and Management Using Predictive Modeling and Transaction Profiles for Individual Transacting Entities” has been cited by over 680 other patents. Krishna earned a M.Math. in Computer Science from the University of Waterloo in 1988.
Gopalan Raman, Senior Director of Human Resources
Over 15 years of relevant experience. Former Head of Human Resources at Global Analytics.
Regulatory & Compliance
Former deputy director of the U.S. Consumer Financial Protection Bureau (CFPB). Managing Partner of Fenway Summer LLC. Managing Director & Chairman of the Investment Committee of Fenway Summer Ventures. Director of Prosper, Circle, College Avenue and Kensington Vanguard.
Former CIO, Director of Communications and Director of Security of the Central Intelligence Agency (CIA). President of Wade Associates, Inc. Member of Board of Directors at IdenTrust, Inc., Detica DFI, Composite Software, Applied Communications Sciences, and VeriFIDES Technology Corp
Co-founder and CEO of First USA. Co-founder and CEO of Juniper Financial. Managing Partner of Gabriel Investments. Chairman of The Governors Woods Foundation. Co-founder, Chairman and CEO of Energy Plus.
CEO of legalzoom.com. CEO of StudioDirect. Co-founder and CEO of Castling Group.
Daniel Zwirn, Co-founder and Board Member
Founder and CEO of Arena Investors, Co-founder and board member of North Mill Capital and North Mill Equipment Finance, and Managing Member of Zwirn & Co. Former Founder, Managing Partner and CIO of D. B. Zwirn & Co., which along with its affiliates had over 1,000 employees worldwide, $6 billion of equity capital and $12 billion of assets. He founded approximately 75 specialty finance-oriented exclusive joint ventures and businesses throughout North America, Europe, Asia/Pacific and Latin America. He serves on the boards of The Brookings Institution, Barnard College of Columbia University, and the Jerome Fisher Program in Management & Technology at the University of Pennsylvania. He received an M.B.A. from the Harvard Business School in 1998 as well as a B.S. in Economics and a B.A.S. in Computer Science, both cum laude, from the University of Pennsylvania's Wharton School and Moore School of Electrical Engineering, respectively, in 1993.