Patrick Moore

Chief Executive Officer

Patrick Moore has more than 30 years of experience in consumer lending and operations. He previously served as President and Chief Operating Officer of Mosaic, President of Benji at Renovate America and Chief Operating Officer at Genesis Financial Solutions and Toyota F.S.B. In his roles as COO, he has launched and scaled multiple successful point of purchase financing businesses. Patrick also held several leadership roles as an officer during his seven years as a Naval Aviator.

Melissa Ballenger

Chief Financial Officer

Melissa has served as Chief Financial Officer for domestic and international banks, including Cross River Bank, TD Bank and Santander Bank. She has more than 25 years of experience, including senior leadership positions with high-growth fintech and payment systems. Melissa is experienced in raising capital, building partnerships and financial management for public companies.

Nagaraju Bandaru

Chief Technology Officer

Nagaraju is a technology and product executive with over 20 years of experience in innovation, architecture, product delivery, and operations. He is an entrepreneurial technology leader and most recently led growth and transformation of market leading products at Intuit and Clarivate Analytics (formerly part of Thomson Reuters). He has delivered successful outcomes for startups, private equity, and large public companies by creating technology vision, strategy, and roadmaps.

Tamiko Kikuchi

Chief Product Officer

Tamiko leads Mosaic’s product management and product design teams. She has executive experience in high-growth companies and has a passion for building great products and teams. Prior to Mosaic, Tamiko has had leadership roles at ServiceNow and Renovate America.

Richard Lewis

Chief Risk Officer

Richard has over 25 years of consumer leadership experience at major banks, fintech lenders, and consulting firms. This deep consumer lending experience has been tuned to guide several fintech leaders in the development of their lending programs. Most recently, Richard was Upgrade's Chief Risk Officer, responsible for credit risk, regulatory compliance, and operational risk.

Richard Johns

Chief of Funding

Richard has more than 25 years of experience in the corporate treasury and capital markets arenas, including executive funding and liquidity roles for Ally Financial and Capital One. He has experience in capital markets, derivatives, asset liability management, cash management and treasury systems, and has managed funding programs across 15 countries. Richard also led the Structured Finance Association for five years and has served on multiple U.S. federal and international regulatory committees.

Julianne Spears

General Counsel

Julianne oversees all aspects of Mosaic’s legal affairs and brings extensive experience in finance, M&A, and corporate law. Prior to joining Mosaic, Julianne served as Associate General Counsel at Renew Financial, and was a member of the energy and infrastructure department at Orrick, Herrington & Sutcliffe LLP.

Jeff Kruczynski

Senior Vice President, Operations and Customer Experience

Jeff has spent over 25 years in various operational roles and industries, and has a passion for building high-performing teams. Before starting at Mosaic, Jeff led production and delivery of customer experience, operations, and customer care at TurboTax (Intuit), Mitchell International, Renovate America, and Sun Microsystems. In addition, he served as an Air Force intelligence officer and is a certificated Six Sigma black belt.

Anitha Srinivasan

Senior Vice President and General Manager of Servicing

Anitha has over 18 years of experience in leading business transformations and customer operations at fast-growing consumer lending businesses, holding prominent roles at Affirm, Capital One and Westlake Financial Services. At Mosaic, Anitha is responsible for both scaling the Servicing Business Unit, as well as delivering enterprise-wide strategic programs as the Head of Business Operations.

Noura Panaritis

Senior Vice President, Enterprise Applications

Noura Panaritis is experienced in M&A integrations and partnering with senior leaders to develop large-scale transformations to enable growth and scale. Her most recent positions include head of business transformation at LightSpeed Commerce and managing director at J.D. Power. In her role at Mosaic, Noura will act as the technology business partner for sales, marketing, finance, business operations and people operations.

Sam Jammal

Head of Strategy

Sam has experience leading teams at early growth companies, managing strategic partnerships and opening new markets for technology products. He began his career as a civil rights attorney. Sam later served as a Chief of Staff in the United States House of Representatives and in the Obama Administration at the United States Department of Commerce. His more recent leadership positions include Vice President of Regulatory Affairs at Firefly and Director for Policy and Electricity Markets at SolarCity and Tesla. At Mosaic, Sam uses his industry knowledge to advise on market opportunities, execute on strategic initiatives and accelerate the transition to 100% clean energy.

Christine Gately-Evans

Senior Vice President of Marketing

Christine has more than 25 years of experience in marketing strategy and planning, branding and category design, demand creation, and aligning sales, product and marketing functions. She has held executive-level marketing positions at a variety of start-up businesses and well-established global consumer brands, including Sony Electronics and Renovate America. Christine is passionate about transforming marketing organizations to drive innovation and achieve measurable results.

John Bumgarner

Chief Revenue Officer

John is a longtime solar industry professional with more than 13 years of experience managing new partner development and training, business intelligence and portfolio management. Prior to Mosaic, he held leadership positions at Sunrun and REC Solar, Inc. He works closely with Mosaic’s clients throughout the solar and home improvement ecosystem including OEMs, distributors, installers, sales organizations and SaaS platforms.

Steve Heruty

Chief Credit Officer

Steve has over 25 years of credit and risk management experience working with top financial institutions including JPMorgan, Chase and BlackRock, and has spent the past nine years focused on the fintech space leading credit and risk functions at Cross River Bank and Colchis Capital Management. He has experience working with loan originators setting and evolving underwriting policies, building predictive models and managing loan portfolios. Steve has also worked on the buy-side performing diligence on fintech platforms and assets, designing loan purchase programs and credit facilities and managing portfolio valuation.

Claudia Carlson

SVP, Financial Planning & Analysis

Claudia has held executive finance leadership positions at companies such as Block (Square), American Express and PwC. As Bank Controller at Block, she established the accounting and treasury function and regulatory reporting compliance framework to support a new bank entity. During her time at American Express, she directed the new product and strategic initiative implementation for several core banking and finance functions. Claudia is passionate about talent development and building high-performing accounting organizations. She also enjoys sharing her extensive finance experience, serving as an MBA adjunct professor for several years.

Andy Cherna

Senior Vice President, Debt Investor Relations

Andy Cherna has more than 35 years of experience in Fixed Income / Capital Markets. He dedicated a significant portion of his career to JPMorgan, where he most recently worked for 24.5 years.

During his time at JPMorgan, Andy worked on the Structured Product Syndicate desk focusing on Asset-Backed Securities (ABS), Non-Agency RMBS and CMBS. He has strong consultative relationships with numerous Asset-Backed issuers and investors, and he is currently studying for his ESG Certificate.

Byron Clift

Treasurer

Byron has spent 25 years working in various treasury capacities for a number of financial institutions, notably as Treasurer for Cross River Bank and TD Bank. He has also held senior treasury positions at Knight Capital Group, Merrill Lynch and as a risk management consultant within Ernst & Young’s financial services and risk management practice. Byron is experienced in liquidity risk, asset liability management, interest rate risk, capital management and funds transfer pricing.

Paola Humphrey

Vice President of Sales, Solar

Paola has over 12 years of experience leading high-performance sales teams. She currently leads the solar sales division for Mosaic. Prior to joining Mosaic, she held leadership positions at Tesla and SolarCity. She is also known to dance when happy, laugh long after the joke is over, and bring plenty of spice to the job. Paola's passion is to make the world a better place for generations to come.

Jamie Kline

Vice President, Business Growth

As an experienced sales leader, Jamie has led several teams in the solar and multi-family housing industries. Prior to Mosaic, Jamie led the buildout and development of new partner verticals at Sunrun and most recently led the national sales function of a multi-family startup. With his expertise in leading and developing national sales teams, Jamie will help Mosaic bring energy freedom to more homeowners.

David Dobbs

Vice President of Engineering, Applications

David has more than 20 years of experience leading a variety of technology products and teams. He has held leadership positions in engineering at companies such as Travelocity, Dogster and Spruce Financial, where he designed, developed and implemented a number of large-scale product initiatives. He is passionate about clean energy and prides himself on bringing diverse teams from around the world together to work toward common goals.