Meet Our Team

Thomas Curran

Chief Risk Officer

Tom Curran is Upgrade’s Chief Risk Officer and Chief Compliance Officer. Tom is responsible for Upgrade’s compliance management system (“CMS”) including its compliance program, operational risk, business continuity, and vendor management.

Tom has twenty years of financial regulatory experience. Prior to joining Upgrade, Tom spent over six years with Promontory Financial Group as a senior member of the team advising consumer lenders, fintech companies, and mortgage originators and servicers on the development and enhancement of their enterprise risk and compliance programs.

Prior to that, Tom spent one year with the US Treasury’s Capital Purchase Program, and nine years as an examiner with the Office of Thrift Supervision (“OTS”). While at the OTS, Tom held a variety of specialist positions related to the examination of consumer credit.

Board Of Directors

Scott Bommer

CEO, SAB Capital Management LP

Dr. Joseph L. Breeden

CEO, Prescient Models LLC

Chris Gottschalk

General Partner at Mouro Capital

Joseph F. Huber

Senior Advisor at Credit Suisse

Meyer "Micky" Malka

Founder, Ribbit Capital

Anju Patwardhan

Managing Director at CreditEase

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at

For other inquiries, contact us at