Board + Key Management
Board of Directors
Independent Non-Executive Chairman
Ron is a prominent leader in the U.S. Fintech industry having held multiple leadership positions in the Fintech and corporate financial services sectors. He has more than 20 years of experience in sales, marketing, and business development across the hedge fund, broker-dealer and registered investment advisor industries.
Ron is currently President Emeritus and Senior Advisor to Prosper, Chairman and member of the Board of Directors of Credible, Advisory board member to Docusign, Juvo, Unison, Money360 and eOriginal.
Previously, Ron was a Director at Prosper Funding LLC, President at Prosper Marketplace, Managing Director at Wells Fargo Securities, Head of Global Sales and Marketing, Senior Partner and Director of Merlin Securities, Senior Managing Director and Manager of Global Clearing Sales at Bear Sterns and President of Spectrum Global Fund Administration.
Ron holds a B.A. in Economics from the UC Berkeley.
Chief Executive Officer and Executive Director
Stephen is the Founder and Chief Executive Officer of Credible.
Stephen has led Credible’s strategy and execution since inception, raising more than US $70 million in capital, launching the Student Loan, Personal Loan, Credit Card and Mortgage Marketplaces, and growing the Credible team to more than 130 people.
Prior to founding Credible, Stephen was an Investment Banker at J.P. Morgan, an Investment Director at M.H. Carnegie & Co, and a Co-founder of Quickcharge Media.
Dean has a B.A. (Hons.) in Economics and had a successful initial career as a bond trader, arbitrageur and proprietary trader. He formulated some of the earliest proprietary models, quant trading systems and statistical arbitrage methods in the 1990’s that led to him becoming Head of Bond Trading at Paribas in London and later joining Greenwich Capital and Greenwich Natwest.
Dean made his first angel investment in 1998 and during the mid-2000’s transitioned into a VC/private equity/operating executive role with Redbus Group in London which had successful exits such as RFD to Lionsgate and Lovefilm (which was the merged entity that the Redbus founded Video Island became part of) to Amazon and was named winner of the Richard Branson sponsored Sunday Times Virgin Atlantic Fast Track 100.
Dean moved to Australia in 2010 and became the Managing Director and an Investment Committee Member of M.H. Carnegie & Co. in 2011, primarily leading the deal team in early stage venture investments and private equity deals (largely focused on distressed real assets such as marinas and pubs).
Dean co-founded Carthona Capital in 2014 which has become one of Australia’s leading early stage venture capital companies with over $200m of FUM.
Ray is a Partner at Marathon Venture Partners (“MVP”), a China-based early to growth stage fund focusing on healthcare and Fintech. Prior to MVP. Ray was a Managing Director at Northern Light Venture Capital, where he led the firm’s investments both in healthcare and Fintech. He started his venture capital career with Orchid Asia Group Management in 2004, where he helped establish the firm’s China operations and served as an Investment Director.
Prior to his venture capital career, Ray worked for ten years in various Chinese government and multinational corporations. He worked at the China’s Ministry of Commerce for four years, where he oversaw operations of the Economic & Commercial offices of China across the world. He then served as a Vice Commercial Consul for the Chinese Consulate General in Houston, Texas promoting trade and investment between China and the southern region of the United States. He also worked as a Commodities Trader for Louis Dreyfus Corporation, participating in the trading and analysis of the agricultural commodities.
Ray serves as a Director for Harvard Business School Alumni Board and was the President for Harvard Business School Alumni Club of Beijing (2009-2011). He is also a Guest Professor at Shanghai University of Business and Economics (2016-2019). He is a Fellow of Aspen Institute China Fellowship Program and a member of Aspen Global Leadership Network.
Ray holds a Bachelor of Economics degree from Shanghai Institute of Foreign Trade and an MBA from Harvard Business School.
Independent Non-Executive Director
Annabelle is the chair of Credible’s Audit & Risk Management Committee and a member of the Remuneration & Nomination Committee. Annabelle is a former Investment Banker with extensive experience as a company director across a range of industry sectors.
Currently, Annabelle is a non-executive director of ASX-listed Downer EDI Ltd and Seven Group Holdings Ltd and serves on both groups’ Audit and Risk Committees. Annabelle is also a non-executive director of ASX-listed MFF Capital Investments Ltd.
A Fellow of the Australian Institute of Company Directors, Annabelle holds a Bachelor of Arts degree majoring in Economics and Mandarin from Griffith University in addition to a Masters of Business Administration (MBA) from the University of Melbourne. Annabelle holds an honorary doctorate from Griffith University for her service to banking and finance, and to the Gold Coast community.
Current directorships of listed companies: Downer EDI Ltd and Seven Group Holdings Ltd
Former directorships of listed companies in last three years: Nil
Vice President, and Head of Product & Design
Colin joined Credible in 2014, and drives its product vision and execution. Colin has a wealth of experience crafting online user experiences and optimizing product conversion.
Prior to Credible, Colin spent five years at Yahoo building personalized experiences for hundreds of millions of users, including time leading key product initiatives on the Yahoo Homepage. Previous to this, Colin was a management consultant at Bain & Company, where he focused on strategic growth initiatives for clients in financial services and other industries in Toronto, New York, London, and the United Arab Emirates.
Colin holds an MBA from the Stanford Graduate School of Business and a Bachelor of Commerce (Hons) from Queen’s University at Kingston.
Vice President, and Head of Engineering
Jai joined Credible in 2017. Jai has over 20 years of experience in the technology industry, with over half that time spent holding leadership roles in e-commerce related software organizations.
Jai ran the technology organisation at Hotwire.com, a top 10 travel website in the U.S., for over 6 years. During that time, Jai oversaw the growth of the team from 80 to 150 people, started and scaled a successful offshore team up to 50 people, drove the adoption of modern Agile software development practices for the engineering team, and built a long track record of on-time and high-quality releases for Hotwire’s secure e-commerce technology platform.
Jai has a Bachelor of Science and Master of Engineering in Computer Science from Cornell University.
Head of Partnerships & Business Development
Dave joined Credible in 2014 and has over 10 years experience working in Financial Services, Technology and now the intersection of the two as Credible’s Vice President, Partnerships & Operations. Prior to joining Credible, Dave served as a Manager in Deloitte Consulting’s Innovation practice. In this role, he oversaw the development and marketing of web and mobile products for Deloitte’s clients across multiple sectors.
Dave also worked previously in Deloitte Consulting’s Financial Services practice based out of New York. Over several years, he advised Fortune 500 Banking and Insurance clients on issues spanning technology implementations, go-to-market strategies, post-merger integrations and global process redesigns. Dave also worked briefly in Strategy for Cisco Systems.
Dave holds an MBA from the UC Berkeley’s Haas School of Business and a Bachelor of Science in Business Administration from the University of North Carolina at Chapel Hill.
Chief Financial Officer
Chris joined Credible in 2018 as Chief Financial Officer. With over 20 years of experience in technology and financial services as an investor and investment banker, Chris brings deep Fintech expertise and a broad perspective to the company. Prior to joining Credible, Chris was a partner at Omidyar Technology Ventures, where he was focused on venture investments in financial technology, enterprise software and consumer Internet platforms. Chris also brings direct experience in marketplace lending, having served as a board member of Prosper Marketplace since 2013.
Prior to joining The Omidyar Group, Chris worked at JPMorgan as an investment banking client officer for enterprise software companies. He began his career as a private equity investment professional with JPMorgan Capital Corp., where he helped lead more than $450 million of financial services-related investments.
Chris received a B.S. from Duke University, where he majored in biomedical engineering and English literature.
Vice President, Marketplace Operations
Jereme joined Credible in 2015 and leads Marketplace Operations, overseeing Lending Operations, Customer Support, and Business Intelligence.
His teams work to ensure that every borrower has an exceptional experience from start to finish. Prior to Credible, he had over 10 years of experience in operations management in the consumer lending and education industries.
Jereme holds a degree in Mathematics from UC Berkeley.
General Counsel, and Head of Legal & Compliance
Jessica Rossman is General Counsel, and Head of Legal & Compliance at Credible.
Jessica brings her strong legal and regulatory background to Credible helping
navigate the Fintech regulatory environment and ensuring a culture of compliance
throughout the Company. In this role, Jessica oversees all legal matters of the
company including counselling the company on legal and compliance matters
related to new product development, corporate, employment, litigation, and
Jessica has extensive legal experience working as both outside counsel and in-house
counsel for Fortune 500 Companies such eBay, PayPal, Walmart and State Farm.
Jessica holds a Juris Doctor degree from Santa Clara University School of Law and
a Bachelor of Arts in Psychology (cum laude) from San Jose State University.
Code of Conduct
Insider Trading Policy
Continuous Disclosure Policy
Risk Management Policy
Audit and Risk Management Committee Charter
Remuneration and Nomination Committee Charter
Shareholder Communication Policy
CHESS Depositary Interest Issuance (US to AU)
Conversion form US to AU CDI (shareholder)
Corporate Governance Statement
Computershare Investor Services Pty Limited
452 Johnston Street,
Abbotsford VIC 3067 Australia
If you would like more information or have any questions relating to the Offer,
you can contact the Share Registry by phone at 1300 145 348 or +61 3 9415 4292.