Anand Cavale

As Executive Vice President, Head of Unsecured Lending Products at Guaranteed Rate, Anand Cavale is responsible for building new businesses that facilitate consumer borrowing and spending needs by deploying new products and strategies. Anand helps define and execute strategic plans that foster innovation and utilize cutting-edge technology to drive advancements in the digital finance space.

An accomplished business executive with more than 25 years of experience, Anand has successfully driven growth in Consumer Banking and Fintech operations by focusing on the consumer and designing products and services with a clear competitive advantage.

Anand began his career at Citibank and moved into various roles within Finance, Risk Management, Portfolio & Decision Management before becoming Chief Financial Officer of the e-Business Division for Citi Cards in New York. After 14 years at Citi, he moved overseas to serve as Head of Regional Product & Marketing Strategy at Citibank’s Asia Pacific Regional Office before becoming the Country Head of Payment Products in Singapore in 2005.

Anand introduced many of Citi’s early innovative consumer payment products, becoming the Global Head of Product Strategy, where he covered 52 countries. Subsequently, he led the Citi Malaysia Payments & Lending franchise before returning to the US as the Managing Director of US Consumer Lending in 2016 where he championed and built a digital lending business to complement a branch-based lending model.

After a long career at Citi, Anand spent several years at the leading Fintech firm SoFi where he managed student and personal lending businesses and built a new platform for in-school lending program before joining Guaranteed Rate. In his current capacity, Anand collaborates with the leadership team across all departments and coaches high-performing teams in developing and executing the strategic plans to diversify the company’s earnings.

“Core values at GR such as ‘Customer First’ and ‘Grow for Good’ really resonate with me,” he says, noting that he is focused on growing the company’s business model by providing best-in-class services that benefit every customer, while giving back to the communities it serves.

Anand has an MBA in Finance & Marketing from St. John’s University, New York and completed his undergraduate studies in Industrial and Production Engineering from Bangalore University. In his free time, he is an avid reader and enjoys travelling overseas with his family.