Our goal is to help you understand and unlock your credit potential and lower the cost of your credit so you can build the future you want.
Two members of our founding team, Renaud Laplanche and Soul Htite, are the co-founders of Lending Club, a pioneer in marketplace lending that facilitated over $26 billion in loans and made credit more affordable for nearly 2 million American families over the last decade. Soul also founded Dianrong, one of the largest marketplace lending platforms in China.
Our founders have now designed a new credit platform that attempts to create even more value for our customers and be more helpful to more people. Learn more about the team.
We have assembled a team of seasoned professionals who have experienced the nuances and complexity of consumer credit through several economic cycles.
In his capacity as Upgrade’s CEO, Renaud presides over the company’s business strategy and oversees its execution.
Prior to co-founding Upgrade, Renaud co-founded and ran Lending Club, the America’s largest online marketplace connecting borrowers and investors. Under Renaud’s leadership Lending Club grew to become the largest provider of personal loans in America.
In recent years Renaud received multiple awards and nominations for his work at Lending Club: among other distinctions, Renaud was recognized on Bloomberg Markets’ 2015 Most Influential List, an annual ranking of the World’s top 50 most influential leaders across technology, finance, and politics. In 2014 he won the Economist Innovation Award in the consumer products category. He was ranked one of the top CEOs by Glassdoor Employees’ Choice Awards in 2015 with a 97% approval rate from Lending Club employees and was named the "best start-up CEO to work for" by Business Insider in 2014. Renaud holds the Newport-Bermuda world speed sailing record.
Renaud holds an MBA from HEC and London Business School and a JD from Montpellier University.
As Upgrade’s CFO, Jeff is focused on building the finance, HR and real estate functions to support the company’s growth.
Prior to co-founding Upgrade, Jeff built and ran the Investor Group at Lending Club sourcing more than $15 billion in capital from retail, institutional and financial institutions. The role also entailed managing platform funding balance matching investors with borrowers to fund loan products. Before moving to the Bay Area, Jeff was an investment banker for 8 years at Morgan Stanley, Greenhill and SunTrust providing M&A advice and raising capital primarily for financial institutions.
Jeff holds an MBA from Harvard Business School and a BBA from The University of Georgia. He enjoys skiing with his family and watching college football.
Sudip Lahiri is Upgrade’s Corporate Controller. In this role Sudip is responsible for the overall control function including closing and reporting, transaction advisory, accounting policies, SOX and governance, financial systems, and general ledger.
Sudip has over 18 years of finance and controllership experience, including 15 years with GE in multiple businesses and various capacities, including GE Commercial Finance, GE Capital Americas, GE Capital Canada, and GE Capital Market Services. He recently served as the Controller for GE Capital Market Services where he provided both operational and technical accounting leadership related to GE’s Securitization and Syndication portfolios of approximately $18 billion. He has also led other controllership centers of excellence (COE) within GE including the COE for Allowance for Losses for Loans and Leases (ALLL) for GE Capital Americas.
Sudip was most recently Global Technical Controller for GE Current and Lighting, leading technical accounting and accounting policy functions across the business globally. In addition to his time with GE, Sudip held controllership positions within other global financial services and industrial companies including American Express, ExxonMobil, and Celanese Corporation.
Sudip is a Chartered Accountant from The Institute of Chartered Accountants of India, Bachelor of Commerce (Honors) from Delhi University, India, and a Series 27 FINRA, FINOP.
Richard Lewis is Upgrade's Chief Risk Officer. Richard is responsible for Upgrade's risk program oversight and activities, including credit risk, decision analytics, regulatory compliance, risk governance, and operational risk.
Richard is a consumer lending executive with over 25 years of leadership experience at major banks, lending institutions, and consulting firms. Richard has served as an executive officer at Bank of the West, Providian, Washington Mutual, and Ford Credit, and as a consultant for Promontory Financial Group. More recently Richard has worked with several fintech lenders in the development of their lending programs, risk and compliance programs, and partner bank arrangements.
Richard started his career at Fair, Isaac & Co (FICO), and received his Bachelors and Masters in Mathematics from the University of California, Berkeley. Richard enjoys spending time with his family and international travel.
As the Head of Personal Loans, Matt manages all aspects of product design, marketing, underwriting, operations and collections for personal loans.
Matt was previously the head of personal loans at Lending Club from 2011 to 2016 and as such was instrumental in growing Lending Club’s customer base from 100,000 to close to two million customers. Prior to joining Lending Club, Matt held several executive positions spanning 15 years in the consumer credit industry at American Express, Providian and Wells Fargo.
Matt received his B.S. in Economics from Oregon State University.
Tom Curran is Upgrade's Chief Compliance Officer. Tom is responsible for Upgrade's compliance management system including its compliance program, complaints management program, and compliance issue management and reporting.
Tom has over 17 years of financial regulatory experience. Prior to joining Upgrade, Tom spent over six years with Promontory Financial Group as a senior member of the team advising consumer lenders and fintech companies on the development and enhancement of their risk and compliance programs.
Prior to that, Tom spent one year with the US Treasury’s Capital Purchase Program, and nine years as an examiner with the Office of Thrift Supervision (“OTS”). While at the OTS, Tom held a variety of specialist positions related to the examination of consumer credit.
As Upgrade's CTO, Visar is responsible for the company's technology strategy, development, and operations.
Visar brings 20+ years of technology experience with extensive expertise in building and running P2P/marketplace platforms. Visar was one of the founding members of Lending Club where he served as the Chief Architect responsible for the design of the platform and later as the Chief Technology Officer responsible for Lending Club’s overall technology strategy and execution.
Visar started his career at Oracle Corporation, where he worked on the Oracle Database Server, XML DB, and Secure Enterprise Search. Visar holds numerous patents in SQL execution, XML, and secure search technologies.
Adelina is the Head of the Investor Group at Upgrade, responsible for Upgrade’s investor relationships and capital markets.
Prior to Upgrade, Adelina ran the institutional investor team at Lending Club where she was responsible for managing relationships with a variety of institutional investors including pension funds, insurance companies, asset managers, endowments and foundations. Adelina started her career at Morgan Stanley, where she advised ABS and MBS issuers on financings through whole loan sales, structured solutions and secured funding facilities.
Adelina earned a BSE degree in Operations Research & Financial Engineering from Princeton University in 2007.
Soul Htite is the founder and CEO of Dianrong, one of the largest marketplace lending platforms in China. Founded in 2012, Dianrong offers individuals and small and medium-sized enterprises a comprehensive, one-stop financial platform supported by industry-leading technology, compliance, and transparency.
Prior to co-founding Dianrong, Soul co-founded Lending Club with Renaud Laplanche and was instrumental in building the company into the America’s largest online marketplace connecting borrowers and investors. Soul served as the Head of Technology until 2011, leading all design and engineering development.
Soul spent the earlier part of his career building enterprise software at Oracle Corporation. His focus was in real-time online services and system design for high availability and fault tolerance.
Soul holds a Master’s in Computer Science from Montréal University.
We believe that combining personal loans with free credit monitoring, alerts, and education features makes us more helpful to more people. You can enjoy these features separately or together, either way we’re hoping that a better understanding of your credit potential and ongoing credit tips will help you secure more affordable credit in the long run.
* Loans made through Upgrade feature APRs of 5.66%-35.97%. All loans have a 1% to 5% origination fee, which is deducted from the loan proceeds. For example, a $10,000 loan with a 36 month term and a 18.66% APR (which includes a 5% origination fee) has a required monthly payment of $346.60. The APR on your loan may be higher or lower. Actual rate depends on credit score, credit usage history, loan term and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan.
** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days. All loans made by WebBank, member FDIC.