Snap Finance is a digital-finance company that specializes in providing consumer financing and rent-to-own purchase options. 

Finance

Snap Finance

Rob Barnhart is the current President at [Snap Finance](/org/snap-finance). Prior to this, they were the SVP Customer Loyalty Insights and Engagement at [Hudson's Bay Company](/org/hbc) from February 2016 to September 2018. Before that, they were Managing Director, Strategic Analytics at Barclaycard from September 2014 to January 2016.

Barnhart started their career at Target in May 2010 as Vice President Enterprise Business Intelligence. In May 2008, they were promoted to VP CRO & Bank Operations and then to VP CRO Risk Management in July 2003. Rob left Target in July 2002 to join [JPMorgan Chase](/org/jpmorgan-chase) as Senior Vice President, Director of Acquisitions. In June 2000, they were promoted to Senior Vice President, Strategic Risk. Rob left [JPMorgan Chase](/org/jpmorgan-chase) in July 2003 to join Target again as VP Enterprise Business Intelligence.

Rob Barnhart earned a Master of Business Administration (MBA) from the [University of Virginia](/org/university-of-virginia) - Darden Graduate School of Business Administration and a B.S. in Commerce from the [University of Virginia](/org/university-of-virginia).

Rob Barnhart

Mike Mossman is the SVP of Customer & Merchant Care at [Snap Finance](/org/snap-finance). Mike has over 20 years of experience in customer service and has held various executive positions at companies such as WOW! Internet, Cable & Phone, Corinthian Colleges, Accolade, Inc., DIRECTV, [Xcel Energy](/org/xcel-energy), High Speed Access, PrimeStar, TCI Cable, and [United Airlines](/org/united-airlines).

Mike Mossman has a type BBA in management from [Boise State University](/org/boise-state-university) and a The Leadership Advantage, Executive Development Program from the University of Minnesota - Carlson School of Management in business administration and management, general.

Their manager is David Laycock, Chief Commercial Officer.

Mike Mossman

Colin Mccracken is the current Chief Marketing Officer at [Snap Finance](/org/snap-finance). Prior to this, they were the VP of Marketing at Funding Circle US from July 2018 to January 2021. Colin has also held the position of Head of Marketing at Metromile from October 2016 to July 2018, and Senior Director of Marketing at [LendingTree](/org/lendingtree) from August 2015 to October 2016. Colin has also been Principal at Strategic Media Solutions from September 2000 to January 2011.

Colin Mccracken earned a Bachelor of Arts in Political Science and Government from UC Irvine.

Colin Mccracken reports to Matt Hawkins, Founder & CEO. They are on a team with Amol Patel - Chief Product Officer, Gaurav Kohli - Global Chief Technology Officer, and Rex Northen - SVP & GM, Business Solutions & Enterprise Growth.

Colin McCracken

Spencer Clawson

David Laycock is the current Chief Innovation & Growth Officer at [Snap Finance](/org/snap-finance). David has also held notable positions at Durum Capital Inc., [SIMMONS EDECO](/org/simmons-edeco), Lake Hawk Partners LLC, and North West Capital Partners Inc. where they were a Partner. Some of Laycock's notable investments while at North West include North West Refining, [Ambyint](/org/ambyint), and Enhance Energy. Prior to joining North West, Laycock was a Private Equity Associate at both [Northgate Capital](/org/northgate-capital) and [Charlesbank Capital Partners](/org/charlesbank-capital-partners). David began their career as a Business Analyst at [McKinsey & Company](/org/mckinsey-company).

David Laycock has an MBA from [Harvard Business School](/org/harvard-business-school) and a Master of Accountancy from [Brigham Young University](/org/brigham-young-university).

David Laycock

Rex Northen

John Cullerton is the SVP and GM of SMB Solutions at [Snap Finance](/org/snap-finance). John has over 20 years of experience in the financial industry, including previous positions at [GreenSky](/org/greensky) and [Equifax](/org/equifax).

At [GreenSky](/org/greensky), John led strategy, product management, and innovation for one of the fastest-growing financial technology companies. John was responsible for overseeing the product management and product marketing functions for the United States Information Solutions business unit, which generated over $1.4B in annual revenue.

At [Equifax](/org/equifax), John was responsible for leading the new product innovation (NPI) program and directly managed a team of 60+ professionals. John also oversaw the product management and product marketing functions for the Decision Management and Fraud segments.

John has a proven track record of successfully developing and launching new products and solutions in the financial industry. John is a strategic thinker with a passion for driving growth and innovation.

John Cullerton attended Texas Christian University and obtained a Bachelor of Business Administration with a focus in marketing from the M.J. Neeley School of Business.

They are on a team with Ryan Slobodian - Chief of Staff, David Laycock - Chief Commercial Officer, and Bryan Allen - Chief Legal Officer & General Counsel. John Cullerton reports to Matt Hawkins, Founder & CEO.

John Cullerton

Gaurav Kohli is the current Global Chief Technology Officer at [Snap Finance](/org/snap-finance). Gaurav has previously held positions as CTO at Token Inc., Executive Vice President Technology at Renew Financial, and Vice President, Architecture and Platform Engineering at Visa. Kohli has also served as Sr. Director, Product Development at Cybersource, A VISA Company, and as a Product Marketing Consultant at TIBCO Software. Prior to that, they were SVP Applications Development and Chief Architect at First Franklin, Merrill Lynch Company.

Gaurav Kohli's educational career began with a high school education in science at St. Peters College. Gaurav then went on to study computer engineering at [San Jose State University](/org/san-jose-state-university), where they earned a Bachelor of Science degree. Finally, they pursued a career in digital signal processing at [Santa Clara University](/org/santa-clara-university).

Gaurav Kohli reports to Matt Hawkins, Founder & CEO. They work with Bryan Allen - Chief Legal Officer & General Counsel, Amol Patel - Chief Product Officer, and Ryan Slobodian - Chief of Staff.

Gaurav Kohli

Steven Stewart is the current Chief Sales Officer at [Snap Finance](/org/snap-finance). Prior to their current position, Steven held the title of Head of Field Sales and Strategy supporting the [Walmart](/org/walmart) partnership at [Capital One](/org/capital-one) from April 2015 to September 2019. In this role, they were responsible for leading the build of the field and field operations team supporting [Walmart](/org/walmart) partnership. 

From June 2000 to March 2015, Steven was with [American Express](/org/american-express) where they held the title of Vice President, Strategy and Sales Operations. In this role, they were responsible for building a world class Strategy and Sales Operations organization for [American Express](/org/american-express) OPEN Top Client Group. Steven's responsibilities included: Channel strategy, Reporting / Analytics, Goal setting, Portfolio strategy, Training, On Boarding, Capabilities (includes mobility strategy and Sales Force.com platform), 3rd party vendor management, Budget management, Customer Experience (partnership with [American Express](/org/american-express) servicing, risk, and underwriting organizations), Internal communications strategy and platforms, and Reward and Recognition.

Steven Stewart has a MIM from Thunderbird School of Global Management and an MBA from W. P. Carey School of Business – [Arizona State University](/org/arizona-state-university). Steven also has a Bachelor Degree in Speech Communications from the [University of Washington](/org/university-of-washington).

Their manager is Matt Hawkins, Founder & CEO. They work with David Laycock - Chief Commercial Officer, Amol Patel - Chief Product Officer, and Colin Mccracken - Chief Marketing Officer.

Steven Stewart

Rhiana Barr is the current Chief People Officer at [Snap Finance](/org/snap-finance). Prior to this, they were the Chief People Officer at Greenlane Holdings, Inc. from September 2021 to May 2022. Rhiana has also held the position of Senior Vice President, Human Resources at [Cetera Financial Group](/org/cetera-financial-group) from May 2018 to November 2019. 

Barr has extensive experience in human resources and has been a strategic business advisor to many different companies. Rhiana is known for their ability to create and deploy robust strategy roadmaps and toolkits in order to align with the company's strategic business plan. Rhiana has also lead pre-diligence, risk analysis, human capital integration and culture assessment activities for various growth initiatives.

Rhiana Barr graduated from [DeVry University](/org/devry-university) with a Bachelor of Science in Business Administration, Computer Information Systems and Accounting. Rhiana then went on to obtain their MBA from the [University of Phoenix](/org/university-of-phoenix-inc).

They are on a team with Mario Gamboa - Chief Information Officer, Amol Patel - Chief Product Officer, and Colin Mccracken - Chief Marketing Officer. Rhiana Barr reports to Matt Hawkins, Founder & CEO.

Rhiana Barr

Mario has 20+ years of experience working with technology and operations for financial institutions, from startups to Fortune 500 companies. He is passionate about technology and works to build and empower teams that build efficient, effective, and useful systems to solve business challenges through innovation.

Mario holds an Executive MBA from [INCAE Business School](/org/incae-business-school), an MS in Computer Science from Costa Rica Institute of Technology (Magan Cum Laude), and a BS in Computer Science from California State University-Chico (Summa Cum Laude). In his spare time, Mario enjoys spending time with his family and researching new technologies of the future.



Mario Gamboa

Michael Minor

As Chief of Staff, Ryan has helped build Snap from the ground up. He brings 23 years of sales management and operations experience, including serving as the director of game operations for the Utah Jazz. He takes a people-centric approach to business, believing happy cows make the best milk. Ryan’s commitment to customer service, market-based product development, and Snap’s values and mission statement has been a leading factor in our company’s unprecedented growth.

Ryan holds a BA in Communications from Brigham Young University. 

Ryan Slobodian

Doris Hektor

Bryan brings depth to the Snap team with his wealth of experience in financing, acquisition, and intellectual property transactions, as well as 24 years of advising boards of directors and management on corporate issues. His extensive background ensures that we grow Snap and our partnerships in a secure way, building our success on a solid foundation.

Bryan graduated with a BS degree in Chinese Studies and a BA degree in Economics from the [University of Utah](/org/university-of-utah), both summa cum laude. In addition, he received a Masters of Religion degree, cum laude, from the Yale Divinity School and a Doctor of Law (J.D.) from Yale Law School.

Bryan can frequently be found with friends and family skiing, biking, rock climbing, canyoneering, or running on local trails.

Bryan Allen

Matt is an industry veteran with an impressive entrepreneurial background, ranging from startups to established companies. His strategic vision, deep lending experience, and commitment to doing better for [ALICE](/org/aliceplatform) has led to the continued growth and success of [Snap Finance](/org/snap-finance). Prior to founding Snap to meet consumer demand for financing across the country, he co-founded [Snap Advances](/org/snap-advances), a digital merchant finance company that provides working and expansion capital and credit card processing to small and midsize businesses throughout the United States.

Matt earned an MS from Massachusetts Institute of Technology and a Bachelor of Science degree in Finance from [Brigham Young University](/org/brigham-young-university).

Snap Finance

Org chart

Teams

Leadership Team

CEO and Executive Team

Founding Team

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