Upgrade
M. Reaz holds extensive experience in credit risk management within the consumer finance sector, currently serving as the Chief Credit Officer and EVP at Upgrade, Inc. since September 2017. Previous roles include Senior Vice President and Head of National Consumer Finance Product at Bank of the West - BNP Paribas, where oversight included a $15.4 billion portfolio, and Vice President at Wells Fargo Bank, leading strategic risk management initiatives for a consumer group with over $100 billion in assets. M. Reaz also held significant positions at Citibank and HSBC, focusing on acquisitions and portfolio management risk for major credit portfolios. Early career experience includes financial analysis at Ameriprise Financial Advisors. Educational qualifications include a Bachelor’s Degree in Economics and Finance from MSU and postgraduate studies at the University of Washington.
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Upgrade
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Upgrade is a neobank that offers credit to mainstream consumers through cards and personal loans, together with free credit monitoring and education tools that help consumers understand and manage their finances. Upgrade Card provides an innovative credit card that brings the low cost and responsible credit of installment lending to millions of retail locations in the U.S., while Upgrade Account is a mobile banking product offered to mainstream consumers.