Mr. Girouard is one of our co-founders and has served as our Chief Executive Officer and a member of our board of directors since our incorporation. From February 2004 to April 2012, Mr. Girouard served in various roles at Alphabet Inc. (formerly Google Inc.), a technology company, most recently as President of Google Enterprise, where he helped build Google’s cloud applications business worldwide, including product development, sales, marketing, and customer support. He started his career in Silicon Valley as a Product Manager at Apple, a technology company, and previously served as an associate in the consulting firm Booz Allen’s Information Technology practice. Mr. Girouard’s career began in software development with the Boston office of Accenture, a consulting firm. He graduated from Dartmouth College with an A.B. in Engineering Sciences and a B.E. in Computer Engineering. Mr. Girouard also holds an M.B.A. from the University of Michigan with High Distinction.
Jeff Huber
Mr. Huber has served as a member of our board of directors since June 2021. Mr. Huber has served as a founder and partner of Triatomic Capital, a private investing firm, since March 2022. From 2016 to 2021, Mr. Huber served as the Founding Chief Executive Officer and Vice Chairman of GRAIL, Inc., a life sciences company. From 2003 to 2016, Mr. Huber served as Senior Vice President of Alphabet Inc. (formerly Google Inc.). From 2001 to 2003, Mr. Huber served as Vice President of Architecture and Systems Development at eBay Inc., an e-commerce company. Prior to joining eBay, he was Senior Vice President of Engineering at Excite@Home. Mr. Huber is a board member of Electronic Arts (EA), a video game company. Mr. Huber holds a B.S. in Computer Engineering from the University of Illinois and an M.B.A. from Harvard Business School.
Paul Gu
Co-Founder | Chief Technology Officer
Mr. Gu is one of our co-founders and has served in various roles since April 2012, including most recently as our Chief Technology Officer. He has also served as a member of our board of directors since April 2015. Mr. Gu has a background in quantitative finance, built his first algorithmic trading strategies on the Interactive Brokers API at the age of 20 and previously worked in risk analysis at the D.E. Shaw Group, a hedge fund, in 2011. During college, Mr. Gu led underwriting for two non-profit microlenders in the United States. Mr. Gu studied economics and computer science at Yale University and then joined the Thiel Fellowship.
Kerry Cooper
Ms. Cooper has served as a member of our board of directors since March 2021. Ms. Cooper has served as an executive-in-residence with the Acrew Diversify Capital Fund, a growth-stage fund, since January 2021. She served as President and Chief Operating Officer of Rothy’s, a direct-to-consumer footwear company, from November 2017 to January 2020. Before joining Rothy’s, Ms. Cooper was Chief Executive Officer of Choose Energy, a consumer services energy company, from 2013 to 2016. She is currently a director of PG&E Corp., an energy-based holding company, and TPB Acquisition Corp I. Ms. Cooper holds a B.S. in Mechanical Engineering from University of Texas at Austin and an M.B.A. from Harvard Business School.
Sukhinder Singh Cassidy
Ms. Singh Cassidy has served as a member of our board of directors since February 2020. Since June 2015, Ms. Singh Cassidy has served as the founder and chairman of the Boardlist, and in February 2021 began serving as a Founding Venture Partner of the Acrew Diversify Capital Fund, a growth-stage fund. Ms. Singh Cassidy served as the President of StubHub Inc., a technology company, from May 2018 to May 2020. From 2011 to September 2017, Ms. Singh Cassidy served in various roles at Joyus, Inc., an internet video shopping network, most recently as founder and chairman. From 2003 to 2009, she served in various senior executive roles at Alphabet Inc. (formerly Google, Inc.), a technology company, most recently as President of Asia Pacific and Latin America Operations. Earlier in her career, she co-founded fintech pioneer Yodlee, Inc, which went public in 2014. She is currently a director of Urban Outfitters, Inc. Ms. Singh Cassidy previously served on the board of Tripadvisor, Inc and the board of Ericsson until 2018. Ms. Singh Cassidy holds a B.A. in Business Administration from the Ivey Business School at Western University.
Scott Darling
Chief Legal Officer & Corporate Secretary
Scott joined Upstart in December 2022 as our Chief Legal Officer and Corporate Secretary. Prior to Upstart, Scott was Chief Legal Officer at Stitch Fix for six years. Before Stitch Fix, Scott held executive and senior legal leadership positions at several public and private technology companies, including Beepi, an online automobile retailer; Trulia, a home search marketplace; Imperva, a cybersecurity company; and Microsoft. Scott started his career with the law firm, Gunderson Dettmer Stough Villeneuve Franklin & Hachigian. Scott holds a B.A. in Ethics, Politics, and Economics from Yale University and a J.D. from the University of Michigan.
Hilliard Terry
Mr. Terry has served as a member of our board of directors since February 2019. Mr. Terry has served as an advisor and interim CEO to private equity-backed portfolio companies. From January 2012 to October 2018, he served as Executive Vice President and Chief Financial Officer of Textainer Group Holdings Limited, an intermodal marine container management and leasing company. Before joining Textainer, Mr. Terry was Vice President and Treasurer of Agilent Technologies, Inc., which he joined in 1999, prior to the company’s initial public offering and spinoff from Hewlett-Packard Company. He previously held positions in investor relations and/or investment banking with Kenetech Corporation, an alternative energy company, VeriFone, Inc., a payments company, and Goldman Sachs & Co., a financial services firm. Mr. Terry is currently a director of Umpqua Holdings Corporation, a bank holding company, where he chairs the Audit and Compliance Committee and serves on the Nominating & Governance and Strategy Committee. Mr. Terry holds a B.A. in Economics from the University of California, Berkeley and an M.B.A. from Golden Gate University.
Sanjay Datta
CFO
Sanjay is Upstart’s Chief Financial Officer and is responsible for leading all financial operations and capital markets efforts. Sanjay was formerly the VP of Advertising Finance at Google, overseeing the global finance organization helping to scale Google's $80B core economic engine. While at Google, Sanjay also held various international finance leadership positions in Asia and Europe. Prior to Google, Sanjay spent a few years with private investment group Artisan Capital, and began his career as a valuation and data specialist at Deloitte Consulting. He sits on the board of Pacific Community Ventures, a nonprofit organization funneling capital and advisory support to minority business owners in low-income communities across the US. Sanjay has a joint honors degree in Economics and Finance from McGill University in Montreal and an MBA from Stanford University.
Mary Hentges
Ms. Hentges has served as a member of our board of directors since December 2019. Ms. Hentges served as the Interim Chief Financial Officer for ShotSpotter, a precision-policing solutions company from October 2020 to January 2021 Ms. Hentges previously served as the Chief Financial Officer of Yapstone, Inc., a financial services company, from 2012 to 2014, the Chief Financial Officer of CBS Interactive, a media company, from 2010 to 2012, and the Chief Financial Officer of PayPal, Inc. from 2003 to 2010. She is also a Certified Public Accountant (inactive). Ms. Hentges holds a B.S. in Accounting from Arizona State University.
Ciaran O’Kelly
Ciaran O’Kelly has served as a member of our board of directors since April 2018. From August 2020 to September 2021, Mr. O’Kelly was a full-time employee of Block, Inc. From 2009 to 2013, Mr. O’Kelly served in various roles at Nomura Securities, a financial services firm, most recently as Senior Managing Director and Head of Equities, Americas. Prior to 2009, Mr. O’Kelly served in various roles at two financial services firms, Bank of America, including Head of Global Equities and Head of Equity Capital Markets, and Salomon Smith Barney, including Head of Equity Trading. He also was previously a director of the technology company Square Financial Services, Inc., Bank of America Securities and Nomura Securities International. Mr. O’Kelly holds a B.B.S. in Business Studies from Dublin City University.
Annie Delgado
Chief Risk Officer
As Upstart's Chief Risk Officer and SVP of Operations, Annie oversees compliance, risk management, and operations activities in the company. Throughout her career in consumer lending, Annie has successfully led and scaled teams across compliance, operations, and enterprise risk. She has implemented data-driven risk programs to manage regulatory and strategic risks and worked collaboratively with regulators to shape policies that expand access to credit through the responsible use of AI. Annie co-hosts the "WhattheAI?!" podcast, which helps business leaders harness AI’s potential while navigating its ethical implications. She holds a bachelor's degree from Santa Clara University.
Dave Girouard
Mr. Girouard is one of our co-founders and has served as our Chief Executive Officer and a member of our board of directors since our incorporation. From February 2004 to April 2012, Mr. Girouard served in various roles at Alphabet Inc. (formerly Google Inc.), a technology company, most recently as President of Google Enterprise, where he helped build Google’s cloud applications business worldwide, including product development, sales, marketing, and customer support. He started his career in Silicon Valley as a Product Manager at Apple, a technology company, and previously served as an associate in the consulting firm Booz Allen’s Information Technology practice. Mr. Girouard’s career began in software development with the Boston office of Accenture, a consulting firm. He graduated from Dartmouth College with an A.B. in Engineering Sciences and a B.E. in Computer Engineering. Mr. Girouard also holds an M.B.A. from the University of Michigan with High Distinction.
Michael Lock
Lending Partnerships
Michael leads the lending partnerships team responsible for bringing Upstart’s technology and products to the banking community. He has had a distinguished career in technology for more than 25 years. He helped Upstart’s CEO Dave Girouard found and grow Google's multi-billion dollar Google Cloud business. He has held leadership positions at large technology companies such as IBM and Oracle and smaller startups including Hearsay Systems, focused on the insurance and banking verticals. Michael is an advisor at Shasta Ventures where he mentors CEOs and founders within their portfolio. He is originally from Canada and holds a Bachelor of Business Administration from Wilfrid Laurier University in Waterloo, Ontario.
Paul Gu
Mr. Gu is one of our co-founders and has served in various roles since April 2012, including most recently as our Chief Technology Officer. He has also served as a member of our board of directors since April 2015. Mr. Gu has a background in quantitative finance, built his first algorithmic trading strategies on the Interactive Brokers API at the age of 20 and previously worked in risk analysis at the D.E. Shaw Group, a hedge fund, in 2011. During college, Mr. Gu led underwriting for two non-profit microlenders in the United States. Mr. Gu studied economics and computer science at Yale University and then joined the Thiel Fellowship.
Chantal Rapport
Chief Marketing Officer
Chantal is responsible for leading all of Upstart’s growth efforts. She previously led strategic partnerships, one of Upstart’s most successful acquisition channels, bringing billions of origination dollars to the platform. Chantal joined Upstart from MuleSoft, where she designed global field sales strategy, scaling the sales team through the IPO and eventual acquisition by Salesforce. Chantal also brings go-to-market strategy experience from her roles as a management consultant to several Fortune 500 banking and telecommunications clients. She holds a degree in Honors Business Administration from the Ivey Business School at Western University in Canada.
Andrew Kovacs
Communications and Government Affairs
Andrew leads communications and government affairs. He previously held leadership roles at Google, Sequoia Capital, and the SoftBank Vision Funds. Earlier, he served as a policy advisor in Canada’s federal government. Andrew holds a bachelor’s degree in science from McGill University, and a master’s degree in public affairs from Princeton University.
Becca Gelenberg
People
Becca leads the People team at Upstart, which works to ensure Upstart is and remains the best place to do great work for everyone. Prior to joining Upstart she built her career at Google and Hewlett Packard, where she held various HR leadership positions. Becca has an undergraduate degree in math and English from Wesleyan University and an MBA from USC’s Marshall School of Business.
