Chief Executive Officer and Founder
Ken started Credit Karma in 2007 to offer free credit scores and bring transparency and simplicity to the credit industry – an industry that was built around and had long prioritized banks above consumers. He has guided the company from a small team of three to a team of several hundred employees who are disrupting consumer finance, serving millions of people.
Ken spent his early career working with mission-driven businesses like Upromise and Eloan, and he was inspired to build Credit Karma – a platform where consumers can manage their full financial lives with more certainty, supported by a unique business model that creates genuine, organic value by reducing marketing inefficiency for banks and empowering consumers with information. Like LinkedIn has done for professional identity and Facebook for social lives, Ken’s vision is that one day Credit Karma can create a simple way for Americans to manage their financial identities.
Ken also founded Multilytics Marketing in 2006 and has a B.A. in mathematics and economics from Boston University.
Chief Revenue Officer and Co-Founder
As a co-founder of Credit Karma and Chief Revenue Officer, Nichole Mustard has been the architect of the company’s win-win-win business model. Credit Karma provides its members with personalized recommendations for credit cards and loans, while reducing marketing inefficiency for banks. With Nichole’s help, Credit Karma has been able to scale at pace while furthering its founding mission to help people take control of their financial lives.
Nichole oversees Credit Karma’s business development team, finding the right mix of financial partners and optimizing data science and business intelligence capabilities to make sure that partners and members alike get the most value from the product. She oversees a team that stresses humility and relationship building in business, making sure Credit Karma’s innovation isn’t the only thing setting the company apart.
Prior to joining Credit Karma, Nichole spent five years as Financial Service Sales Director at Compete, growing the company’s national profile.
Chief Technology Officer and Co-Founder
As a co-founder of Credit Karma and Chief Technical Officer, Ryan Graciano has grown the company’s engineering department from a one-man band into a team of hundreds, developing a technical framework to support the company’s rapid growth. His expertise and innovation has helped bring new levels of usability and sophistication to financial services technologies.
Today, Ryan runs an ever-expanding group of engineers tasked with building out new products at pace while stressing a culture of agility and experimentation, even as Credit Karma reaches new levels of scale. As a leader, he serves as a constructive agitator, looking to break down traditional workplace hierarchies and empowering each member of his department with real influence over the future of the product.
Ryan has a Bachelors degree in Computer Science from the Georgia Institute of Technology and spent five years at IBM before joining Credit Karma.
As Credit Karma’s President, Joe is responsible for the U.S. business, including credit cards, loans, and insurance offerings in service of delivering on Credit Karma’s mission of driving financial progress for its 120 million members.
Joseph began at Credit Karma in January 2015, after spending four years as the Chief Financial Officer for TAL Education Group, one of the largest K-12 after-school tutoring services providers in China. Throughout his career, he’s helped high-growth companies institute the right organizational stability to build upon an expansive entrepreneurial vision. Joseph has also worked for the New Oriental Education & Technology Group and the Coca-Cola Company, and holds an MBA in Strategy, Finance and Accounting from Harvard University.
Chief Marketing Officer
Greg Lull is the Chief Marketing Officer at Credit Karma. Credit Karma has added 70 million members in the last five years, and several of the operations Greg built from the ground up to drive brand awareness and member engagement have directly made this possible. Greg was previously VP of Marketing Operations at Multilytics Marketing.
After a brief time as an engineer, Greg has spent the majority of his career leveraging data to develop the systems and foundations that allow companies to engage with audiences and drive products forward. He oversees Credit Karma’s marketing department, making sure that the marketing, communications, consumer analytics and brand teams are creating meaningful experiences that reflect the company’s value to current and future Credit Karma members.
When he’s not crunching numbers, Greg enjoys playing boardgames and riffing his guitar as the front man of the Credit Karma band.
Chief Legal Officer
As Credit Karma’s Chief Legal Officer, Susannah manages all legal matters at the company, including corporate, regulatory, consumer protection, compliance and government affairs. Susannah joined in June 2017 as Credit Karma’s first chief legal officer as the company continues to expand rapidly, increasing both its member base and service offerings.
A former prosecutor, Susannah was previously Associate General Counsel at Tesla, where she built and led Tesla’s compliance department, following Tesla’s acquisition of SolarCity. Prior to that, Susannah spent over three years as Deputy General Counsel and Head of Compliance at SolarCity, where she created the company’s compliance department and advised on on regulatory and compliance matters, including consumer protection, data privacy and security, safety, licensing, product, trade, and internal investigations. Prior to joining SolarCity, Susannah was an attorney at Gibson Dunn & Crutcher LLP where she focused on government investigations, crisis management and data privacy. She previously served as a senior assistant district attorney in Atlanta, Georgia.
Susannah is an alumna of the University of Virginia School of Law and Princeton University, where she graduated magna cum laude.
General Manager, Karma Scale
As General Manager, Karma Scale, Gannesh Bharadhwaj leads strategy and business operations for Credit Karma’s largest revenue-driving verticals and sits on the company’s executive committee. In his role, Gannesh is responsible for working with existing and new partners to broaden the credit card and personal loan offerings on Credit Karma’s online marketplace. He is also responsible for product and marketing initiatives to make Credit Karma the preferred destination for members to acquire new cards and personal loans.
Gannesh is dedicated to using data and analytics to deliver certainty, transparency and simplicity to Credit Karma’s more than 110 million members. To achieve this, Gannesh oversaw the development and scaling of Credit Karma’s first enterprise platform, Lightbox, enabling Credit Karma’s partners to directly market highest certainty, personalized offers to members through data-driven insights.
Gannesh joined Credit Karma in September 2017, bringing more than 20 years of financial services experience. Prior to joining Credit Karma, Gannesh served as president of Renew Financial and held a number of senior roles at HSBC including executive vice president of US co-brand cards and Head of retail banking and wealth management in India.
Outside of work, Gannesh is an accomplished drummer and an avid fan of metal. He holds a M.S. in Mechanical Engineering from the University of South Florida and a MBA from the University of Chicago Booth School of Business.
Chief People, Places and Publicity Officer
Colleen McCreary is the Chief People, Places and Publicity Officer at Credit Karma. As the first person to hold this position, she is responsible for Credit Karma’s People, Workplace Services, Communications and Events teams. In this role, Colleen leverages both internal and external communications functions to foster a healthy workplace culture, drive long term value for the business and position the company competitively in the market.
Since joining Credit Karma in 2018, Colleen has grown the employee base to over 1,300 employees across offices in the U.S., Canada and the U.K. In her first six months, she worked to evolve the company’s compensation structure to remove bias and variability and drive a culture of individual progress, growth and collaboration.
Prior to Credit Karma, Colleen served as Chief People Officer at Vevo, the world’s leading music video entertainment platform. She has also held leadership positions at The Climate Corporation, Zynga, Electronic Arts and Microsoft. With more than 20 years of experience in human resources, operations, recruiting and M&A, Colleen brings a wealth of expertise in managing people operations to support rapid-growth technology companies. She has held leadership roles through two IPOs and two company acquisitions. She is also a technical advisor for HBO’s Silicon Valley, and advises and coaches startups.
She holds a B.S. in Mass Communication and Public Relations from Boston University, and a M.A. in Higher and Adult Education from Columbia University.
When she’s not working and consulting on people strategies for other companies, Colleen is traveling around the world with her husband Andrew and her son Cooper, who has already been to more than 35 countries at just 14 years old.
At Credit Karma, it’s our mission to make financial progress possible for everyone.
CEO and Founder
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By The Numbers
16 million members
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More than half of U.S. millennials
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