Dave is co-founder and CEO of Upstart. He also chairs 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 Booze 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.
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
Paul is co-founder and Chief Technology Officer at Upstart. He also serves on Upstart’s Board of Directors. Paul has a background in quantitative finance and built his first algorithmic trading strategies on the Interactive Brokers API at the age of 20. He led underwriting for two nonprofit microlenders in the U.S. during his time at Yale University, where he studied economics and computer science. He left Yale to join the inaugural class of Thiel Fellows. Paul also previously worked in risk analysis at the D.E. Shaw Group.
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.
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
CFO
Sanjay is Upstart’s Chief Financial Officer, responsible for leading all financial operations and capital markets efforts for the company. Before Upstart, he was Vice President of Advertising Finance at Google, overseeing the global finance team that helped scale Google's $80B core 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
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.
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 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.
Becca Gelenberg
People
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
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.
