Oportun
Jinhua Zhou has extensive experience in risk strategy, product development, and marketing within the financial services industry. Currently serving as VP at Oportun since January 2015, Jinhua Zhou has built and managed teams focused on business expansion, including critical responsibilities in risk underwriting, pricing strategy, and execution validation. Previous roles at Capital One involved leadership in home equity valuation, installment loans, and card collections, where Jinhua Zhou drove product recommendations, optimized manual underwriting processes, and enhanced collection strategies, achieving significant financial improvements. Jinhua Zhou holds a Ph.D. in Materials Science from the University of Michigan and a Bachelor’s degree in Materials Science and Computer Science from Shanghai Jiao Tong University.
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Oportun
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Oportun (Nasdaq: OPRT) is a financial services company that leverages its digital platform to provide responsible consumer credit to hardworking people. Using A.I.-driven models that are built on 15 years of proprietary customer insights and billions of unique data points, Oportun has extended more than 4 million loans and over $10 billion in affordable credit, providing its customers with alternatives to payday and auto title loans.