consumer-credit
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Fabio Torelli Found a $500 Blind Spot in American Credit
A Brazilian credit veteran arrived in Miami, landed in the algorithm’s blind spot, and built OneBlinc around a stubborn question: what if a score is only the beginning of the story?
Chantal Rapport
Before Chantal Rapport marketed algorithms, she learned to read customers from a cable truck. That habit - get close, notice the friction, then build the model - followed her all the way to Upstart's C-suite.
Tomás Campos
Tomás Campos is the co-founder and CEO of Spinwheel, an Oakland-based fintech building agentic AI-powered credit data and payments infrastructure for the consumer debt market. A UC Berkeley and Haas School of Business graduate, he spent two decades in payments and commerce - growing Blackhawk Network's digital payments division into a $1.5 billion business and co-founding the conversational commerce startup FluidM, which was acquired by Westfield. He launched Spinwheel in 2019 after the consumer debt crisis touched his own family, aiming to make the fragmented world of loans and liabilities as accessible as open banking made bank accounts. In June 2025 the company raised a $30 million Series A led by F-Prime Capital.
Felix Steinmeyer
Felix Steinmeyer is the CEO and Co-Founder of Cherry, the leading buy-now-pay-later platform built specifically for healthcare and wellness providers. A Stanford MBA with dual master's degrees, he previously co-founded and sold Mason Finance before turning his attention to the underserved gap between patients who need care and their ability to pay for it. Under his leadership, Cherry has grown to serve 60,000+ providers, raised a Series B of $44M in 2022, and in April 2025 achieved a valuation exceeding $2 billion with a Series C round - making it one of the most significant vertical BNPL players in healthcare.