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Our Leadership & Board

Tom Holgate

Chief Executive Officer

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Tom Holgate

Chief Executive Officer

Location: Colorado

Tom Holgate is responsible for driving growth initiatives and efficiently scaling operations to meet the needs of new and existing business ventures. Prior to joining iLendingDIRECT, he served as COO of BFS Capital, where he implemented strategies that resulted in drastic improvement in loan request response time, developed a quality control program, and grew recovery collections revenue; all of which drove significant revenue growth. Before BFS Capital, Tom worked for such notable companies as Southern Auto Finance Company, American Credit Acceptance, Freedom Financial Group, Wells Fargo Financial, and American General Financial Group.

Nick Goraczkowski

Chief Revenue Officer

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Nick Goraczkowski

Chief Revenue Officer

Location: Colorado

Nick Goraczkowski is an executive leader in the finance industry with more than 20 years of experience. Nick oversees iLending’s entire sales department, loan consultant training program, and business development with lender partners. Under his leadership, the iLending salesforce has grown from a small handful of employees in a local start-up environment to more than 100 loan consultants across the country. Previously, Nick was a sales executive at several home mortgage companies and an automotive dealership, giving him an extensive understanding of home and automotive finance and refinance.

Stephanie Meinerz

Chief Operating Officer

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Stephanie Meinerz

Chief Operating Officer

Location: Colorado

Stephanie Meinerz is responsible for leading the internal processes for promoting and ensuring iLending’s compliance with laws, regulations, company policies and contracts. She also chairs our compliance committee, which oversees compliance risk management and internal complaint reporting programs. Additionally, she is responsible for formulating and implementing iLending’s policies and procedures, including ensuring that appropriate and effective goals are developed, implemented, and monitored in accordance with governmental standards and requirements and our company’s core values.

Kostya Gradushy

Chief Data Officer

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Kostya Gradushy

Chief Data Officer

Location: Colorado

Kostya Gradushy leads the data department and is responsible for building and communicating data-driven insights that allow company executives and management to make more informed decisions. Prior to joining iLending, he worked as a VP of Strategic Analysis at Computershare, where he was responsible for leading the Strategic Analysis team and implementing reporting and analytics solutions, including collections strategy, predictive models, and revenue models. Overall he spent 15 years in the mortgage industry in the analytics capacity working for such companies as Clayton Holdings, Black Knight Financial Services, and Computershare.

Renee Brown

Chief Marketing Officer

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Renee Brown

Chief Marketing Officer

Location: Colorado

Renee Brown has been a marketing leader in financial services for many years, serving in numerous leadership roles at Wachovia and Wells Fargo for 20 years. Her experience includes B2B, Branding, Investments, Social Media and Community Bank Marketing leadership roles. She has served as the Chief Marketing Officer of TIAA Retail and most recently led marketing for Optum Care, a $24B division on United Health Group. Renee has a Bachelor’s and Master’s Degree from Lousiana State University as well as a Diversity Certificate from Cornell. She has served on numerous boards including the American Red Cross, Out and Equal Workplace Advocates, and most recently was the Chair of the Board of Trustees at Davidson Day School.

Mark Lindley

VP of Technology

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Mark Lindley

VP of Technology

Location: Colorado

Mark leads the technology department and is responsible for technology-related services including infrastructure, security, communication services, and software development. Prior to joining iLending, he worked as a Sr. Director of Software Development and Enterprise Architecture at TPX Communications, where he was responsible for leading the software development teams, both on- and offshore, and providing architectural direction for the company. Overall, he has 30 years of experience in the telecommunication, technology consulting, and financial services industries in software engineering and leadership roles.

Terry Criger

VP of Finance

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Terry Criger

VP of Finance

Location: Colorado

Terry is responsible for running the finance team of iLending, supporting growth initiatives, and meeting the overall financial goals of the company. He’s spent the bulk of his 20+ year career in financial services, including 14 years in leadership as VP of Operations, Director of Accounting, and Controller for CRIF Corporation USA. As VP of Operations for CRIF, Terry successfully helped add +$2.5 MM to the bottom line, resulting in +20% growth in the company by making lending much easier between auto dealers and the lenders. Terry has extensive knowledge and expertise in indirect auto lending marketing and providing LOS solutions to lending institutions.

Beth Harris

VP of Talent & Culture

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Beth Harris

VP of Talent & Culture

Location: Colorado

Beth Harris leads the Human Resource department and is responsible for strategic human resource planning to provide the organization with the best staffing plans, compensation, benefits, training and development, budget, and labor relations. Prior to joining iLending, she led the HR function in hospitality, non-profit trade associations and construction companies, always focused on aligning employees with the goals and vision of the organization. Beth earned her BS in Business Management from Metropolitan State University of Denver, and is certified as a Professional in Human Resources (PHR).

Paul McGregor

VP of Program Management

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Paul McGregor

VP of Program Management

Location: Colorado

Paul McGregor leads the Projects Department which includes project management oversight for all key initiatives within the company. The role also serves to provide process controls, oversight and overall portfolio management for the company. Paul has spent over 25 years building Project Management Organizations (PMO’s) globally. Prior to joining iLending, he led teams as a PMO Director at several large corporations including Telstra Australia, GE Money Australia, Level3, Comcast, and most recently MarkWest Energy.

Tom Harding

Board Member

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Tom Harding

Board Member

Tom Harding – Mr. Harding is a Managing Director at J.C. Flowers & Co. Prior to joining the firm in 2015, Mr. Harding spent seven years in investment banking in the Financial Institutions Group of Bank of America Merrill Lynch, primarily in New York with one year in London, where he covered a diverse range of bank, insurance and specialty finance companies and most recently had responsibility for covering transportation leasing companies. Mr. Harding began his career as a lawyer at Cravath Swain and Moore.

Mr. Harding serves on the Board of Directors of Island Finance, Jefferson Capital and Fairstone Financial. He received a B.A. with Highest Honors from Swarthmore College, a Juris Doctor degree as a Harlan Fiske Stone Scholar from Columbia Law School and an M.B.A. from Columbia Business School. He is a CFA charterholder.

Eric Dunn

Board Member

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Eric Dunn

Board Member

Eric Dunn – Mr. Dunn is the CEO of Quicken Inc., the leading personal finance software provider in the U.S. He was appointed CEO in 2016, having previously worked for 20 years at Intuit, Quicken’s previous owner. Over his two decades at Intuit, Mr. Dunn served as CFO, guiding the company through its IPO and merger with ChipSoft (TurboTax), and was also Intuit’s first CTO. He retired from Intuit in 2000 to pursue a second career in technology investing, first as an angel investor and then as a General Partner at Cardinal Venture Capital. He has served on numerous boards of directors, including those of six public companies.

John Oros

Board Member

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John Oros

Board Member

John Oros – Mr. Oros is an Operating Partner at J.C. Flowers & Co. Prior to being named an Operating Partner, Mr. Oros was a Managing Director of the firm from 2006-2018. Before joining J.C. Flowers, Mr. Oros held a number of executive positions at Enstar Group Limited, including the role of Executive Chairman from 2000 – 2010. Prior to that, Mr. Oros was an investment banker in the Financial Institutions Group of Goldman Sachs for almost 20 years, where he became a General Partner in 1986. In addition, Mr. Oros was appointed Chairman of the Federal Savings and Loan Council in 1987, where he served for two years.

Mr. Oros serves on the Board of Directors of Island Finance, Jefferson Capital and Fairstone Financial. Mr. Oros received a B.B.A. from the University of Wisconsin School of Business and served as a lieutenant in the United States Army and Army Reserves from 1968-1974. As an Operating Partner, Mr. Oros receives compensation from certain JCF funds and portfolio companies.

Nancy Fitzgerald

Founder, Chief Strategist & Board Member

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Nancy Fitzgerald

Founder, Chief Strategist & Board Member

Location: Colorado

Nancy Fitzgerald is an award-winning executive within the automotive finance industry. She also fosters relationships and develops partnerships with national financial companies to help provide their customers with exceptional financial services. Nancy has been awarded the Auto Remarketing Women in Remarketing Award (2016), the Insights Success Magazine’s 30 Most Influential Women in Business (2016), and the Top 25 Most Powerful Women In Business by the Colorado Women’s Chamber of Commerce (2020).

Steve Abernethy

Board Member

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Steve Abernethy

Board Member

Steve Abernethy – Mr. Abernethy is the former CEO, Executive Chairman and Co-founder of SquareTrade, now an Allstate company, a top-rated consumer protection plan offered by top retailers in the U.S. and UK. Prior to co-founding SquareTrade in 1999, Steve was a management consultant at McKinsey & Co. He currently serves on the boards of AutoFi and Triparound, and is a member of the Dean’s Leadership Council at Cal Poly College of Architecture & Environmental Design. Mr. Abernethy holds a bachelor’s of science degree in architectural engineering from California Polytechnic University San Luis Obispo, and an MBA from Harvard Business School.