Michael Espino

Michael Espino serves as the Sr. Manager of Capital Markets at Oportun, overseeing the management of funding facility reporting, liquidity analysis, and capital planning. With a solid background in the finance sector, previous roles include Associate Director at KBRA, where responsibilities encompassed ratings analysis for consumer ABS transactions, and Senior Manager of Capital Markets at American Credit Acceptance, focusing on funding program enhancement. Other notable positions include Assistant Treasurer at Regional Management Corp., Securitization Manager at Hyundai Capital America, and an Advisory Senior Associate at KPMG US. Michael holds a B.A. in Business Administration with a concentration in Finance from Cal State Fullerton and has completed the School of Mortgage Banking Level I.