Michael Rapaport

Senior Vice President & Chief Credit Officer for Small Business at Opportunity Fund

Michael Rapaport, Senior Vice President, Chief Credit Officer for Small Business, joined Opportunity Fund in Jan 2018 bringing 28 years of lending, credit and financial service operations experience to the organization.   Michael came to us from BorrowersFirst, Inc, an online consumer lending platform where he was both Chief Revenue Officer and Chief Risk Officer.  Michael spent the first 14 years of his career at Fair, Isaac and Company where he developed some of the first FICO Credit Scores and subsequently managed the FICO Score business unit for North America.  At FICO, Michael became an advocate for consumer credit education and helped lead the company’s effort to release and explain credit scores to consumers via the www.myfico.com website.  Michael then joined the leadership team at Providian Financial as Executive Vice President of Marketing Services where he managed database marketing, analytics and marketing operations and helped engineer a major turnaround of the business before selling it to Washington Mutual.   After a brief stint at Visa, Michael spent 6 years at Progreso Financiero/Oportun first as Vice President of Service and Operations and then as the head of Enterprise Data and Analytics.   At Progreso, Michael became an advocate for the underbanked Hispanic customer and using data and analytics to help bolster the Company’s ability to lend responsibly to consumers with limited to no credit.

Michael also serves on the Board of Directors of the Hebrew Free Loan Association in San Francisco as well as Congregation Beth Sholom in San Francisco. Michael has a degree in Mathematical and Computational Sciences from Stanford University.

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