Mr. Wennes has served as a member of our board of directors since May 2026. He most recently served as President and Chief Executive Officer of Santander Holdings USA, including Santander Bank N.A., from 2019 through February 2025, where he oversaw a diversified portfolio of businesses including auto lending, commercial banking, and wealth management. Before joining Santander, Mr. Wennes held various leadership roles at MUFG Union Bank from 2008 to 2019, most recently serving as West Coast President. Prior to 2008, he served as President and Chief Operating Officer of Countrywide Bank and held several leadership positions at Wells Fargo. He currently serves on the board of directors of Cushman & Wakefield plc. Mr. Wennes holds a B.S. in Business and Entrepreneurship from the University of Southern California and an M.B.A. from California State University, Fullerton.
Paul Gu
Co-Founder
Paul is co-founder and CEO of Upstart. Prior, he was Chief Technology Officer at Upstart. Paul also serves on Upstart’s Board of Directors. Paul studied economics and computer science at Yale University before joining the Thiel Fellowship.
Kerry Cooper
Ms. Cooper serves as Upstart's lead independent director and 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.
Scott Darling
Chief Legal Officer & Corporate Secretary
Scott is Upstart’s Chief Legal Officer and Corporate Secretary. Prior to joining in 2022, he was Chief Legal Officer at Stitch Fix for six years. He has also held executive and senior legal leadership positions at several public and private technology companies, including Trulia, a home search marketplace; Imperva, a cybersecurity company; and Microsoft. Scott started his career with the law firm Gunderson Dettmer. He 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
President, Capital & Enterprise
Sanjay is Upstart President of Capital & Enterprise, responsible for enterprise sales of Upstart's lending software as well as the aggregation of all lending capital on the platform. Earlier, Sanjay was Upstart Chief Financial Officer. Before Upstart, he was Vice President of Advertising Finance at Google, overseeing the global finance team that helped scale Google's core advertising business. Sanjay began his career at Deloitte Consulting and later worked at private investment group Artisan Capital. He sits on the board of Pacific Community Ventures, a nonprofit that funnels capital and advisory support to minority business owners in low-income communities across the U.S. Sanjay has a joint honors degree in economics and finance from McGill University and an M.B.A. 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, Annie has built a data-driven, technology-based compliance program with particular focus on understanding and managing regulatory risks associated with the use of non-traditional credit modeling techniques and underwriting variables. Throughout her career in mortgage and consumer lending, she has managed and scaled teams spanning multiple functions including Compliance, Operations, and Software Applications. She has designed and implemented automated solutions to regulatory change such as leading the implementation of the TILA-RESPA Integrated Disclosure Rule during her time at Opes Advisors. Annie has a bachelor’s degree from Santa Clara University.
Dave Girouard
Dave is one of Upstart's co-founders and served as CEO from 2014-2026. He is also the Executive Chairman of Upstart’s Board of Directors. Previously, he spent eight years at Alphabet, where he was President of Google Enterprise and built the company’s multibillion-dollar cloud applications business worldwide. Dave started his career in Silicon Valley at Apple and has also held roles at Booz Allen and Accenture. He has degrees in engineering sciences and computer engineering from Dartmouth College, as well as an M.B.A with High Distinction from the University of Michigan.
Peter Bernard
Peter currently serves as the Board Chair of Barclays Bank, U.S. He is former chief operating officer at Root Capital, a nonprofit social investment fund. From 2006 through 2013, he was a managing director and chief risk officer of D. E. Shaw & Co., L.P. in New York. Prior to 2006, he held a variety of roles in finance and financial software, including chief financial officer at RiskMetrics, a risk management software company spun out of J.P. Morgan that was later acquired by MSCI, and president and co-founder of New Bond Trading, a Boston-based investment management firm. Early in his career, Peter spent 15 years in New York and London at J.P. Morgan Chase & Co., which he joined after graduating from Bowdoin.
Chantal Rapport
Chief Marketing Officer
Chantal is responsible for leading Upstart’s end-to-end consumer growth strategy, driving significant year-over-year revenue expansion over her eight years at the company. She leads product-led growth, marketing, brand, product design as well and retention across the platform, building America’s single destination for credit for all. She holds a degree in Honors Business Administration from the Ivey Business School at Western University in Canada.
Becca Kidder
Chief People Officer
Becca is Chief People Officer at Upstart, working 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 M.B.A. from USC’s Marshall School of Business.
Paul Gu
Paul is co-founder and CEO of Upstart. Prior, he was Chief Technology Officer at Upstart. Paul also serves on Upstart’s Board of Directors. Paul studied economics and computer science at Yale University before joining the Thiel Fellowship.
Grant Schneider
Chief Technology Officer
Grant is Chief Technology Officer at Upstart, leading the engineering and machine learning teams that power Upstart's AI lending platform. Grant was one of the original machine learning engineers and spent more than a decade building the AI models at the core of the company's underwriting technology. Grant previously served as Vice President of Machine Learning and founded Upstart's Columbus office in 2019. He holds a Ph.D., M.S., and B.S. from The Ohio State University and is co-author of two textbooks on statistics.
Jesse Obbink
GM, Unsecured Lending
Jesse is the General Manager of Upstart's flagship Unsecured Lending business. He previously built the Small Dollar Loans product from inception and oversaw Upstart’s Servicing organization through a period of significant growth and operational maturity at scale. His work is grounded in a long-standing commitment to Upstart’s mission to radically transform access to credit, informed by early experience in education across both nonprofit and for-profit organizations. Jesse holds a B.A. in Cognitive Science from Yale University.
Jared Jones
GM, Home and Auto Direct Lending
Jared is the General Manager of Home and Auto Direct lending, Upstart’s fast growing new products. Jared built the Home Lending team and business from inception, and under his leadership Upstart launched additional new products, including HELOC, which modernize the process of traditional secured lending and help us serve more prime customers Previously, he led consumer product and traffic growth at Redfin, helping scale it into a top three real estate search site in the United States. Jared began his career in international development before moving into technology and startups. He holds a B.A. in Ethics, Politics, and Economics from Yale University.
Andrea Blankmeyer
Chief Financial Officer
Andrea is Chief Financial Officer at Upstart, responsible for leading financial strategy and planning, investor relations, and accounting for the company. Before Upstart, Andrea served as CFO at Cityblock Health and Transfix, and was Vice President of Finance at SoFi. She began her career as a management consultant at Bain & Company and as an investor at private equity firm Hellman & Friedman. Andrea graduated from Harvard University, Magna Cum Laude, with a Bachelor of Arts in Economics and East Asian Studies, and also studied at Harvard Business School.
