Venkat (Vinni) Bala

Chief Credit Officer

Vinni leads credit strategy and operations for all Deserve products, focusing on revenue and ownership of the product P&L. With 20 years of experience in business management & financial services, he is responsible for credit product development & positioning, portfolio performance, credit risk/underwriting, as well as customer experience and retention. Prior to his tenure at Deserve, Vinni was the head of the College & Secured credit card business at Wells Fargo. He has also held leadership roles within the Wells Fargo Student Lending division, and at CitiCards where he managed direct marketing for cash & rewards card products. He holds a BA from Creighton University and an MBA from Fordham University.