Chair
Member
Chairman of the board
Financial expert
Audit and Risk Committee Position

Sandy Smith  

Sandra (Sandy) Smith previously served as Chief Financial Officer for Segment, which was acquired by Twilio. Prior to Segment, Ms. Smith was the Vice President of Finance at Twilio, helping to lead the company through a successful IPO. Ms. Smith has also held senior financial roles at Akamai Technologies and has practiced as outside corporate counsel for multiple public and venture-back companies. Ms. Smith received a JD and MBA from the Boston College. She holds a Bachelors degree in Photography from the University of Michigan.

Chair

Louis P. Miramontes  

Louis has served as a member of Oportun’s board since 2014. He is a financial executive and certified public accountant in the state of California. He previously worked as a senior partner at KPMG, managing partner of its San Francisco office, and senior partner of its Latin American region. Louis was also an audit partner providing services to public and private companies with expertise in SEC compliance and Sarbanes-Oxley regulations. He currently serves on the board of directors of Lithia Motors. Louis received a BS in business administration from California State University, East Bay.

Member

R. Neil Williams  

Neil has served on Oportun’s board since 2017. He previously was executive vice president and chief financial officer at Intuit and held similar executive positions at Visa. Neil also served a dual role as chief financial officer for Inovant, Visa’s global IT organization. He is an independent director of RingCentral and previously served on the board of directors of Amyris. He has also held numerous senior financial positions at commercial banks, and is a certified public accountant. He received his BA in business administration from the University of Southern Mississippi.

Member

Mohit Daswani

Mohit Daswani currently serves as the Chief Financial Officer of ThoughtSpot, Inc., an AI-enabled business analytics company. Prior to joining ThoughtSpot in January 2020, Mr. Daswani was the Head of Strategy and Finance at Square, Inc. from 2017 to 2019. He previously held leadership roles in Corporate Development and Finance at PayPal, Inc., from 2013 to 2017, and was a private equity investor in the financial services, healthcare, and IT industries as a Principal at JMI Equity from 2008 to 2012, a Principal at FTV Capital from 2004 to 2008, and previously at JP Morgan Partners from 1997 through 2004 and before that at J.P. Morgan Chase & Co. from 1995 to 1997. Mr. Daswani is also an advisory Board Member of Centana Growth Partners since 2018. Mr. Daswani holds a Bachelor’s degree in Economics from Columbia University and an M.B.A. from the Harvard Business School.

Member

Audit and Risk Committee Charter

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Compensation and Leadership Committee Position

Roy Banks

Roy Banks previously served as the Chief Executive Officer of Weave Communications, Inc, an all-in-one customer communication and engagement platform for small businesses. With more than 20 years of experience in high-tech software development, e-commerce, internet marketing and payment processing, Mr. Banks has also served as CEO Partner at Tritium Partners; President of the LoadPay business unit and a board member of Truckstop.com; CEO of Network Merchants; CEO of Accelerated Payment Technology; and President of Authorize.Net. A five-year veteran of the United States Navy, Mr. Banks holds a Bachelors degree in Business Management from Utah Valley University.

Chair

Louis P. Miramontes  

Louis has served as a member of Oportun’s board since 2014. He is a financial executive and certified public accountant in the state of California. He previously worked as a senior partner at KPMG, managing partner of its San Francisco office, and senior partner of its Latin American region. Louis was also an audit partner providing services to public and private companies with expertise in SEC compliance and Sarbanes-Oxley regulations. He currently serves on the board of directors of Lithia Motors. Louis received a BS in business administration from California State University, East Bay.

Member

Mohit Daswani

Mohit Daswani currently serves as the Chief Financial Officer of ThoughtSpot, Inc., an AI-enabled business analytics company. Prior to joining ThoughtSpot in January 2020, Mr. Daswani was the Head of Strategy and Finance at Square, Inc. from 2017 to 2019. He previously held leadership roles in Corporate Development and Finance at PayPal, Inc., from 2013 to 2017, and was a private equity investor in the financial services, healthcare, and IT industries as a Principal at JMI Equity from 2008 to 2012, a Principal at FTV Capital from 2004 to 2008, and previously at JP Morgan Partners from 1997 through 2004 and before that at J.P. Morgan Chase & Co. from 1995 to 1997. Mr. Daswani is also an advisory Board Member of Centana Growth Partners since 2018. Mr. Daswani holds a Bachelor’s degree in Economics from Columbia University and an M.B.A. from the Harvard Business School.

Member

Ginny Lee

Ginny Lee recently served as the President and Chief Operating Officer of Khan Academy, a globally-recognized non-profit online education technology organization with a mission of providing a free, world-class education for anyone, anywhere. Prior to Khan Academy, Ms. Lee spent more than 17 years at Intuit, where she held multiple senior operational and technical roles, including Senior Vice President and General Manager of Intuit’s $650M Employee Management Solutions Division, as well as Chief Information Officer. Ms. Lee received an MBA from the Stanford University Graduate School of Business and holds a dual Bachelors degree in Business Economics and Organizational Behavior & Management.

Member

Compensation and Leadership Committee Charter

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Credit Risk and Finance Committee Position

R. Neil Williams  

Neil has served on Oportun’s board since 2017. He previously was executive vice president and chief financial officer at Intuit and held similar executive positions at Visa. Neil also served a dual role as chief financial officer for Inovant, Visa’s global IT organization. He is an independent director of RingCentral and previously served on the board of directors of Amyris. He has also held numerous senior financial positions at commercial banks, and is a certified public accountant. He received his BA in business administration from the University of Southern Mississippi.

Chair

Sandy Smith  

Sandra (Sandy) Smith previously served as Chief Financial Officer for Segment, which was acquired by Twilio. Prior to Segment, Ms. Smith was the Vice President of Finance at Twilio, helping to lead the company through a successful IPO. Ms. Smith has also held senior financial roles at Akamai Technologies and has practiced as outside corporate counsel for multiple public and venture-back companies. Ms. Smith received a JD and MBA from the Boston College. She holds a Bachelors degree in Photography from the University of Michigan.

Member

Jo Ann Barefoot

Jo Ann has served on Oportun’s board since 2016. She is the founder and CEO of Barefoot Innovation Group and serves as advisor to private consumer finance companies and fintech startups. She serves on the board of the National Foundation for Credit Counseling and the Milken Institute FinTech Advisory Committee and previously served on the Consumer Advisory Board of the Consumer Financial Protection Bureau. Jo Ann previously served as chair of the board of the Financial Health Network, as Deputy Comptroller of the Currency and has held leadership roles at Treliant Risk Advisors, KPMG, and the National Association of Realtors, as well as serving on the staff of the U.S. Senate Committee on Banking, Housing, and Urban Affairs. Jo Ann was a senior fellow at the John F. Kennedy School of Government’s Mossavar-Rahmani Center for Business & Government at Harvard University.

Member

Carlos Minetti

Mr. Minetti was the Executive Vice President, President - Consumer Banking for Discover Financial Services (“Discover”), a role he held from February 2014 to September 2023. Previously, he served as Executive Vice President, President - Consumer Banking and Operations from 2010 to 2014, Executive Vice President, Cardmember Services and Consumer Banking from 2007 to 2010, and Executive Vice President for Cardmember Services and Chief Risk Officer from 2001 to 2007. Prior to joining Discover, Mr. Minetti worked in card operations and risk management for American Express Company from 1987 to 2000, where he last served as Senior Vice President. Mr. Minetti currently serves as a member of the board of directors of Trustmark Mutual Holding Company, the Better Business Bureau of Chicago and Northern Illinois, and the Ann & Robert H. Lurie Children's Hospital of Chicago Foundation. He was a member of the board of directors of Discover Bank from 2001 to 2023. Mr. Minetti holds a Bachelor’s degree in Industrial Engineering from Texas A&M University and an M.B.A. from the Booth School of Business at The University of Chicago.

Member

Credit Risk and Finance Committee Charter

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Nominating, Governance and Social Responsibility Committee Position

Ginny Lee

Ginny Lee recently served as the President and Chief Operating Officer of Khan Academy, a globally-recognized non-profit online education technology organization with a mission of providing a free, world-class education for anyone, anywhere. Prior to Khan Academy, Ms. Lee spent more than 17 years at Intuit, where she held multiple senior operational and technical roles, including Senior Vice President and General Manager of Intuit’s $650M Employee Management Solutions Division, as well as Chief Information Officer. Ms. Lee received an MBA from the Stanford University Graduate School of Business and holds a dual Bachelors degree in Business Economics and Organizational Behavior & Management.

Chair

Roy Banks

Roy Banks previously served as the Chief Executive Officer of Weave Communications, Inc, an all-in-one customer communication and engagement platform for small businesses. With more than 20 years of experience in high-tech software development, e-commerce, internet marketing and payment processing, Mr. Banks has also served as CEO Partner at Tritium Partners; President of the LoadPay business unit and a board member of Truckstop.com; CEO of Network Merchants; CEO of Accelerated Payment Technology; and President of Authorize.Net. A five-year veteran of the United States Navy, Mr. Banks holds a Bachelors degree in Business Management from Utah Valley University.

Member

Jo Ann Barefoot

Jo Ann has served on Oportun’s board since 2016. She is the founder and CEO of Barefoot Innovation Group and serves as advisor to private consumer finance companies and fintech startups. She serves on the board of the National Foundation for Credit Counseling and the Milken Institute FinTech Advisory Committee and previously served on the Consumer Advisory Board of the Consumer Financial Protection Bureau. Jo Ann previously served as chair of the board of the Financial Health Network, as Deputy Comptroller of the Currency and has held leadership roles at Treliant Risk Advisors, KPMG, and the National Association of Realtors, as well as serving on the staff of the U.S. Senate Committee on Banking, Housing, and Urban Affairs. Jo Ann was a senior fellow at the John F. Kennedy School of Government’s Mossavar-Rahmani Center for Business & Government at Harvard University.

Member

Carlos Minetti

Mr. Minetti was the Executive Vice President, President - Consumer Banking for Discover Financial Services (“Discover”), a role he held from February 2014 to September 2023. Previously, he served as Executive Vice President, President - Consumer Banking and Operations from 2010 to 2014, Executive Vice President, Cardmember Services and Consumer Banking from 2007 to 2010, and Executive Vice President for Cardmember Services and Chief Risk Officer from 2001 to 2007. Prior to joining Discover, Mr. Minetti worked in card operations and risk management for American Express Company from 1987 to 2000, where he last served as Senior Vice President. Mr. Minetti currently serves as a member of the board of directors of Trustmark Mutual Holding Company, the Better Business Bureau of Chicago and Northern Illinois, and the Ann & Robert H. Lurie Children's Hospital of Chicago Foundation. He was a member of the board of directors of Discover Bank from 2001 to 2023. Mr. Minetti holds a Bachelor’s degree in Industrial Engineering from Texas A&M University and an M.B.A. from the Booth School of Business at The University of Chicago.

Member

Nominating, Governance and Social Responsibility Committee Charter

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Sandy Smith

Sandra (Sandy) Smith previously served as Chief Financial Officer for Segment, which was acquired by Twilio. Prior to Segment, Ms. Smith was the Vice President of Finance at Twilio, helping to lead the company through a successful IPO. Ms. Smith has also held senior financial roles at Akamai Technologies and has practiced as outside corporate counsel for multiple public and venture-back companies. Ms. Smith received a JD and MBA from the Boston College. She holds a Bachelors degree in Photography from the University of Michigan.

Louis P. Miramontes

Louis has served as a member of Oportun’s board since 2014. He is a financial executive and certified public accountant in the state of California. He previously worked as a senior partner at KPMG, managing partner of its San Francisco office, and senior partner of its Latin American region. Louis was also an audit partner providing services to public and private companies with expertise in SEC compliance and Sarbanes-Oxley regulations. He currently serves on the board of directors of Lithia Motors. Louis received a BS in business administration from California State University, East Bay.

R. Neil Williams

Neil has served on Oportun’s board since 2017. He previously was executive vice president and chief financial officer at Intuit and held similar executive positions at Visa. Neil also served a dual role as chief financial officer for Inovant, Visa’s global IT organization. He is an independent director of RingCentral and previously served on the board of directors of Amyris. He has also held numerous senior financial positions at commercial banks, and is a certified public accountant. He received his BA in business administration from the University of Southern Mississippi.

Mohit Daswani

Mohit Daswani currently serves as the Chief Financial Officer of ThoughtSpot, Inc., an AI-enabled business analytics company. Prior to joining ThoughtSpot in January 2020, Mr. Daswani was the Head of Strategy and Finance at Square, Inc. from 2017 to 2019. He previously held leadership roles in Corporate Development and Finance at PayPal, Inc., from 2013 to 2017, and was a private equity investor in the financial services, healthcare, and IT industries as a Principal at JMI Equity from 2008 to 2012, a Principal at FTV Capital from 2004 to 2008, and previously at JP Morgan Partners from 1997 through 2004 and before that at J.P. Morgan Chase & Co. from 1995 to 1997. Mr. Daswani is also an advisory Board Member of Centana Growth Partners since 2018. Mr. Daswani holds a Bachelor’s degree in Economics from Columbia University and an M.B.A. from the Harvard Business School.

Roy Banks

Roy Banks previously served as the Chief Executive Officer of Weave Communications, Inc, an all-in-one customer communication and engagement platform for small businesses. With more than 20 years of experience in high-tech software development, e-commerce, internet marketing and payment processing, Mr. Banks has also served as CEO Partner at Tritium Partners; President of the LoadPay business unit and a board member of Truckstop.com; CEO of Network Merchants; CEO of Accelerated Payment Technology; and President of Authorize.Net. A five-year veteran of the United States Navy, Mr. Banks holds a Bachelors degree in Business Management from Utah Valley University.

Louis P. Miramontes

Louis has served as a member of Oportun’s board since 2014. He is a financial executive and certified public accountant in the state of California. He previously worked as a senior partner at KPMG, managing partner of its San Francisco office, and senior partner of its Latin American region. Louis was also an audit partner providing services to public and private companies with expertise in SEC compliance and Sarbanes-Oxley regulations. He currently serves on the board of directors of Lithia Motors. Louis received a BS in business administration from California State University, East Bay.

Mohit Daswani

Mohit Daswani currently serves as the Chief Financial Officer of ThoughtSpot, Inc., an AI-enabled business analytics company. Prior to joining ThoughtSpot in January 2020, Mr. Daswani was the Head of Strategy and Finance at Square, Inc. from 2017 to 2019. He previously held leadership roles in Corporate Development and Finance at PayPal, Inc., from 2013 to 2017, and was a private equity investor in the financial services, healthcare, and IT industries as a Principal at JMI Equity from 2008 to 2012, a Principal at FTV Capital from 2004 to 2008, and previously at JP Morgan Partners from 1997 through 2004 and before that at J.P. Morgan Chase & Co. from 1995 to 1997. Mr. Daswani is also an advisory Board Member of Centana Growth Partners since 2018. Mr. Daswani holds a Bachelor’s degree in Economics from Columbia University and an M.B.A. from the Harvard Business School.

Ginny Lee

Ginny Lee recently served as the President and Chief Operating Officer of Khan Academy, a globally-recognized non-profit online education technology organization with a mission of providing a free, world-class education for anyone, anywhere. Prior to Khan Academy, Ms. Lee spent more than 17 years at Intuit, where she held multiple senior operational and technical roles, including Senior Vice President and General Manager of Intuit’s $650M Employee Management Solutions Division, as well as Chief Information Officer. Ms. Lee received an MBA from the Stanford University Graduate School of Business and holds a dual Bachelors degree in Business Economics and Organizational Behavior & Management.

R. Neil Williams

Neil has served on Oportun’s board since 2017. He previously was executive vice president and chief financial officer at Intuit and held similar executive positions at Visa. Neil also served a dual role as chief financial officer for Inovant, Visa’s global IT organization. He is an independent director of RingCentral and previously served on the board of directors of Amyris. He has also held numerous senior financial positions at commercial banks, and is a certified public accountant. He received his BA in business administration from the University of Southern Mississippi.

Sandy Smith

Sandra (Sandy) Smith previously served as Chief Financial Officer for Segment, which was acquired by Twilio. Prior to Segment, Ms. Smith was the Vice President of Finance at Twilio, helping to lead the company through a successful IPO. Ms. Smith has also held senior financial roles at Akamai Technologies and has practiced as outside corporate counsel for multiple public and venture-back companies. Ms. Smith received a JD and MBA from the Boston College. She holds a Bachelors degree in Photography from the University of Michigan.

Jo Ann Barefoot

Jo Ann has served on Oportun’s board since 2016. She is the founder and CEO of Barefoot Innovation Group and serves as advisor to private consumer finance companies and fintech startups. She serves on the board of the National Foundation for Credit Counseling and the Milken Institute FinTech Advisory Committee and previously served on the Consumer Advisory Board of the Consumer Financial Protection Bureau. Jo Ann previously served as chair of the board of the Financial Health Network, as Deputy Comptroller of the Currency and has held leadership roles at Treliant Risk Advisors, KPMG, and the National Association of Realtors, as well as serving on the staff of the U.S. Senate Committee on Banking, Housing, and Urban Affairs. Jo Ann was a senior fellow at the John F. Kennedy School of Government’s Mossavar-Rahmani Center for Business & Government at Harvard University.

Carlos Minetti

Mr. Minetti was the Executive Vice President, President - Consumer Banking for Discover Financial Services (“Discover”), a role he held from February 2014 to September 2023. Previously, he served as Executive Vice President, President - Consumer Banking and Operations from 2010 to 2014, Executive Vice President, Cardmember Services and Consumer Banking from 2007 to 2010, and Executive Vice President for Cardmember Services and Chief Risk Officer from 2001 to 2007. Prior to joining Discover, Mr. Minetti worked in card operations and risk management for American Express Company from 1987 to 2000, where he last served as Senior Vice President. Mr. Minetti currently serves as a member of the board of directors of Trustmark Mutual Holding Company, the Better Business Bureau of Chicago and Northern Illinois, and the Ann & Robert H. Lurie Children's Hospital of Chicago Foundation. He was a member of the board of directors of Discover Bank from 2001 to 2023. Mr. Minetti holds a Bachelor’s degree in Industrial Engineering from Texas A&M University and an M.B.A. from the Booth School of Business at The University of Chicago.

Ginny Lee

Ginny Lee recently served as the President and Chief Operating Officer of Khan Academy, a globally-recognized non-profit online education technology organization with a mission of providing a free, world-class education for anyone, anywhere. Prior to Khan Academy, Ms. Lee spent more than 17 years at Intuit, where she held multiple senior operational and technical roles, including Senior Vice President and General Manager of Intuit’s $650M Employee Management Solutions Division, as well as Chief Information Officer. Ms. Lee received an MBA from the Stanford University Graduate School of Business and holds a dual Bachelors degree in Business Economics and Organizational Behavior & Management.

Roy Banks

Roy Banks previously served as the Chief Executive Officer of Weave Communications, Inc, an all-in-one customer communication and engagement platform for small businesses. With more than 20 years of experience in high-tech software development, e-commerce, internet marketing and payment processing, Mr. Banks has also served as CEO Partner at Tritium Partners; President of the LoadPay business unit and a board member of Truckstop.com; CEO of Network Merchants; CEO of Accelerated Payment Technology; and President of Authorize.Net. A five-year veteran of the United States Navy, Mr. Banks holds a Bachelors degree in Business Management from Utah Valley University.

Jo Ann Barefoot

Jo Ann has served on Oportun’s board since 2016. She is the founder and CEO of Barefoot Innovation Group and serves as advisor to private consumer finance companies and fintech startups. She serves on the board of the National Foundation for Credit Counseling and the Milken Institute FinTech Advisory Committee and previously served on the Consumer Advisory Board of the Consumer Financial Protection Bureau. Jo Ann previously served as chair of the board of the Financial Health Network, as Deputy Comptroller of the Currency and has held leadership roles at Treliant Risk Advisors, KPMG, and the National Association of Realtors, as well as serving on the staff of the U.S. Senate Committee on Banking, Housing, and Urban Affairs. Jo Ann was a senior fellow at the John F. Kennedy School of Government’s Mossavar-Rahmani Center for Business & Government at Harvard University.

Carlos Minetti

Mr. Minetti was the Executive Vice President, President - Consumer Banking for Discover Financial Services (“Discover”), a role he held from February 2014 to September 2023. Previously, he served as Executive Vice President, President - Consumer Banking and Operations from 2010 to 2014, Executive Vice President, Cardmember Services and Consumer Banking from 2007 to 2010, and Executive Vice President for Cardmember Services and Chief Risk Officer from 2001 to 2007. Prior to joining Discover, Mr. Minetti worked in card operations and risk management for American Express Company from 1987 to 2000, where he last served as Senior Vice President. Mr. Minetti currently serves as a member of the board of directors of Trustmark Mutual Holding Company, the Better Business Bureau of Chicago and Northern Illinois, and the Ann & Robert H. Lurie Children's Hospital of Chicago Foundation. He was a member of the board of directors of Discover Bank from 2001 to 2023. Mr. Minetti holds a Bachelor’s degree in Industrial Engineering from Texas A&M University and an M.B.A. from the Booth School of Business at The University of Chicago.