Director of Underwriting
Chris Capecelatro is the Director of Underwriting at Funding Circle, where he manages credit policy and process.
Prior to joining Funding Circle, Chris spent eight years with AIG Global Risk Management, where he was credit portfolio manager for their construction and middle market divisions. Before AIG, he worked as a commercial credit analyst and business lender at Salisbury Bank & Trust Company.
Chris received a B.A. in economics from the University of New Hampshire.
Chief Financial Officer
With over 20 years of experience in the financial technology sector, Nick leads Funding Circle’s finance and accounting area.
Prior to joining Funding Circle, Nick served as the Chief Financial Officer of Nexxo Financial, a venture–backed startup which developed technology to provide everyday financial services to the underbanked market. Previously he was at PayPal, where he managed financial planning and analysis for PayPal’s rapidly growing international business. Nick also held several senior roles at Providian Financial, a leading credit card issuer, including managing financial planning and analysis, heading investor relations and starting up the company’s first international subsidiary in the United Kingdom.
Nick received his MBA, an MS in Engineering and a BS in Mathematical and Computational Sciences all from Stanford University.
Robert leads Funding Circle’s engineering team in the U.S. and focuses on global platform architecture development.
Before moving to the U.S., Robert served as a Development Lead in Funding Circle’s London headquarters, and worked as the Lead Programmer at Osborne Brook, a Brighton–based web development and design consultancy.
Robert received a BEng in Mechanical Engineering from the University of Brighton and an MSc in Aeronautics (CFD) from Imperial College London.
U.S. Chief Risk Officer
As U.S. CRO, Manpreet is responsible for credit modeling, risk analytics and data science at Funding Circle in the U.S.
Manpreet has more than 15 years of experience in commercial and consumer credit risk management across domestic and international markets. Prior to Funding Circle, he was a Chief Credit Officer in AmEx’s Latin America business, where he drove fundamental enhancements in risk analytics capabilities for highly volatile multi-billion dollar portfolio to drive profitable billings growth.
Manpreet also served as functional head for Acquisition & Underwriting Modelling for AmEx Small Business portfolio, where he transformed small business acquisition strategies from mass marketing to a targeted, profitability-based optimization engine.
Manpreet holds an MBA in Finance and Marketing from the Xavier Institute of Management and a Bachelor of Technology in Electronics Engineering from the National Institute of Technology in India.
Conor is responsible for US legal and regulatory affairs at Funding Circle.
Prior to joining Funding Circle, Conor served as CEO of Indego Africa, an award–winning social enterprise that creates jobs and sustainable livelihoods for artisan women through economic empowerment and education. Previously, he practiced law in the corporate department of Latham & Watkins LLP, where he represented public and private companies, investment banks, private equity firms and investors in a wide range of corporate and finance transactions. Conor is a Truman National Security Fellow and currently serves on the Board of Directors of NYU Law’s Alumni Association, the Board of Advisors of Indego Africa and the State Bar of California’s Financial Institutions Committee.
Conor received his JD from NYU Law and his BA from Georgetown. He is admitted to the CA, DC, MA and NY bars.
Co–Founder & U.S. Managing Director
As Co–Founder and U.S. Managing Director, Sam is responsible for overseeing the overall strategic direction and day–to–day operation of Funding Circle in the U.S. Under his leadership, the U.S. business has grown exponentially since its foundation in 2012 and has emerged as the world’s largest online marketplace exclusively focused on small business loans. He co–founded the company after seeing how hard it was to get a loan for a small business, a successful gym franchise, he helped build.
Before co–founding Funding Circle, Sam served as Vice President of Business Development at SecondMarket, the leading marketplace for alternative investments. There, Sam was responsible for corporate and business development and the company’s geographic expansion efforts. Sam was also part of the investment team at Pequot Capital, an $8 billion global fund manager, where he covered investments in financial technology and information services. He started his career as a strategy consultant at Katzenbach Partners, where he advised financial services and technology companies.
Sam currently serves on the boards of two private companies. He received his MBA and MS from Stanford University and graduated, magna cum laude, from Brown University.
VP of Marketing
Jerod has spent the past two decades leading teams and getting business results utilizing a mix of new and traditional marketing channels. His work has earned him a place on the leading edge of the most innovative work in the financial services, insurance and technology industries in the U.S. and internationally.
Most recently, Jerod was VP of Interactive Marketing and Media at H&R Block where he combined the science of client-centric marketing with the art of digital communications to drive triple–digit revenue growth for the interactive channel. Prior to this, Jerod was VP of Interactive Marketing for PNC Financial Services where he created a world–class digital marketing department that lead to the launch of a new checking product for Gen Y’ers. In his four years at the helm, his websites won eight Best in Class awards and four Outstanding Achievement awards from the Interactive Media Association. Laughlin and his team were also six time Webby honoree winners in the financial services category.
Jerod studied Communications at Sam Houston State University and is a frequent featured speaker at interactive, client experience, marketing and technology conferences.
VP of Sales and Partnerships
Mike leads Funding Circle’s sales and partnerships teams, focusing on attracting high quality small business borrowers and strategic partners to the platform.
Before Funding Circle, Mike was a co-founder of Endurance Companies, where he built a series of franchise gyms, which spurred the original idea for Funding Circle in the US. Prior to joining Funding Circle, Mike founded a high growth fitness concept in Boston called Turnstyle Cycle and worked in the Corporate Finance Group at Jones Lang LaSalle, the largest global commercial real estate services firm. Mike was captain of the football team at Dartmouth College where he received his AB.
VP, Risk Operations
Vittoria is VP of Risk Operations, where she oversees Underwriting; Pre-Underwriting; Servicing, Collections & Recoveries and Loan Operations.
Prior to Funding Circle, Vittoria worked at Stifel Nicolaus where she developed credit scoring methodologies used by the US Treasury for the Troubled Asset Relief Program (TARP) and Small Business Lending Fund programs and helped manage over $40 billion in TARP investments for the Treasury. Vittoria also worked at Citigroup Global Markets in the investment banking division’s Financial Institutions Group.
Vittoria received her MBA from Harvard Business School and graduated, summa cum laude, with a BA in Quantitative Economics and Middle Eastern Studies from Tufts University.
Rohit oversees Funding Circle’s innovative online loan marketplace, using cutting–edge technology to connect accredited investors with Main Street small businesses.
Over his career, Rohit has launched a number of enterprise products in the computer hardware and financial services space. Prior to joining Funding Circle, Rohit was Director of Product at Dun & Bradstreet where he managed the company’s multimillion dollar API product line. Rohit also worked in engineering and product development at Dell Inc.
Rohit received an MBA from the University of Texas and graduated with an MS in Computer Science from NC State.
Chief Product Officer
As Global CPO, David is responsible for product, engineering and design at Funding Circle.
David has over 20 years of experience driving forward successful technology companies. Prior to Funding Circle, he spent more than a decade at Betfair where he held the roles of CTO, COO and then CEO of the world’s largest betting exchange. During his tenure as Betfair’s CEO, David was responsible for the overall business strategy and operations and grew revenues to over $600m by emphasizing the development of new products and spearheading the company’s geographic expansion.
David has also served as VP of International Engineering at AltaVista Company and Director of Engineering and Consulting Services at Zip2 (acquired by Compaq/AltaVista). He started his career as a software engineer.
David holds a MS degree in Computer Science from Stanford University and a BS degree in Electrical Engineering and Computer Science from UC Berkeley.
Kleiner Perkins Caufield & Byers Professor of Management, Emeritus
Charles is the holder of the Kleiner, Perkins, Caufield & Byers Professorship in Management Emeritus and has become a leader in the study and teaching of entrepreneurship, supply networks and technology management. Charles joined the faculty of the Stanford Graduate School of Business in 1968, where he has served in a variety of positions, including Associate Dean for Academic Affairs at the GSB and chair of the University Commission on Graduate Education.
Prior to Stanford, Charles served as assistant to the Technical Director at Naval Reactors, a joint organization of the Atomic Energy Commission and the Bureau of Ships, where he worked closely with Admiral H.G. Rickover on the development of nuclear powered–ships. He also worked as a senior engineer for Bechtel Corporation’s Scientific Development Department.
Charles has a BS in electrical engineering at the University of California, Berkeley, an MS in nuclear engineering and PhD in business administration at the University of California, Los Angeles. Charles has served as a board member for more than ten start–ups. He is the author of Decision–Making Under Uncertainty: Models and Choices and many other articles in the field of management.
David Lichtman (Credit Committee)
Executive Vice President and Chief Credit Officer, First Republic Bank
David has served as a senior credit officer since 1995 and has held positions in all phases of lending operations since he joined First Republic Bank in 1986. As Chief Credit Officer, David’s primary responsibility is the oversight of the Executive Loan Committee. Additionally, he is co–chairman of Special Asset Committee, a voting member for the Asset Liability and Investment Committee, Allowance for Loan Loss Committee and Enterprise Risk Management Committee. He earned an MBA in 1990 from the University of California, Berkeley, and a Bachelor of Arts degree in 1985 from Vassar College.
Jim Redmond (Credit Committee)
Owner and CEO, Credit Risk Results and Banking Consultant
With four decades of experience in the consumer credit industry, Jim has a track record of accomplishments in risk management and operations at major financial institutions. He has acted as Chief Risk Officer at GMAC ResCap, Executive Vice President and Chief Operating Officer at Providian Financial, Senior Credit Officer at Citi and Senior Vice President at Bank of America. Jim currently acts as a senior advisor to a number of successful startups, applying his robust traditional lending experience to the emerging fintech world. Jim also has extensive international experience, including establishing and leading overseas operations and due diligence efforts in Europe, Asia and South America.
Jim is a board member of San Francisco Consumer Credit Counseling, a certified BankersLab trainer and currently serves on the advisory boards of several companies that service the financial industry from multinationals to innovative online start–ups. He has also served on the Policy Council of Risk Management Association, the Customer Advisory Board of Fair Issacs and is the past Chairman of the Purdue University Credit Research Center.
Jim is a frequent panelist and speaker and has contributed to national ABA, CBA, FICO and MDS conferences. He is a recipient of the Risk Management Association Special Service Award.
Alex Tonelli (Co–Founder and Advisor)
Partner, Endurance Companies
Alex co–founded and served as Funding Circle’s U.S. Managing Director before moving into an advisory role as a Partner at Endurance Companies, the holding company from which the U.S. business was launched.
A born entrepreneur, Alex received his first 1099 when he was nine–years–old as a result of needing to pay his own way at a young age. Later in life, he founded a franchise fitness chain, which inspired the creation of Funding Circle in the U.S., after finding it easier to raise $100 million for high–risk private equity ideas than to raise $100,000 for his successful small business.
Previously, Alex was an investor at Summit Partners, where he focused on specialty lending and fintech marketplaces, and Hasso Plattner Ventures, which made him CEO of Global Vision/Adora, a 90 EE marketing SaaS company. Alex has also spent time with Seneca Capital, Citigroup IBD and the U.S. Embassy in Paris. Alex received an MBA from Stanford University and an AB, cum laude, from Dartmouth College.