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Senior Vice President, Credit Risk

Steven Heruty

Steven Heruty is SVP, Credit Risk at Upgrade. His expertise spans credit risk management and data analytics within financial services, including managing large loan portfolios, modeling defaults, prepayments, and asset yields, and optimizing loan underwriting policies and systems. Before Upgrade, he was Chief Credit Officer at Mosaic and held Chief Risk Officer and Chief Credit Officer roles at Cross River. Earlier in his career, he was Head of Risk-Private Credit and Managing Director-Credit at Colchis Capital Management, VP Credit Risk at Vouch, and SVP Risk Management at Bank of the West.