The GreenSky Idea
GreenSky® was founded on the idea that payment, credit and commerce could be enhanced using technology delivered via an elegant user experience. We believed payment and credit could be an asset that empowers and enables commerce, not a distraction or impediment. Today, GreenSky delivers a service that helps business grow and delight their customers.
Chairman and CEO
Chairman and CEO
Chairman and CEO
Get There Faster
“GreenSky’s mission is to help businesses grow and delight their customers. Our vision is to lead the future of payments, enabling accelerated commerce and transparency for all.”
Chief Executive Officer
- Do the right thing by each constituency
- Act as proponent for the needs of the community
- Always keep the energy positive
- Continue to seek to create value for each constituency
- Be fair, sincere, honorable and transparent in all dealings
- Encourage responsibility, trust, respect and understanding
- Streamline for effectiveness but not at the cost of quality
- Honor speed but not at the cost of quality
- Satisfy and anticipate customers needs
- Be willing to listen, learn, admit mistakes, adapt and change
Chairman and CEO
David Zalik, Chairman and Chief Executive Officer founded GreenSky in 2006. Mr. Zalik works intimately with the Company’s product development team to drive innovation and strengthen GreenSky’s value proposition to its growing ecosystem of merchants, consumers and bank partners. A serial entrepreneur, Mr. Zalik built his first company, MicroTech Information Systems, at the age of fourteen while attending college at Auburn University. Prior to launching GreenSky, Mr. Zalik founded and successfully operated companies in the technology automation, real estate, and e-commerce sectors. Mr. Zalik was the recipient of the 2016 Ernst & Young National Financial Services Entrepreneur of the Year Award, and has been featured in the Wall Street Journal, Businessweek, and Forbes. Mr. Zalik has served on the boards of a number of closely-held companies, along with select not-for-profit organizations in the metro Atlanta area.
Vice Chairman & Chief Administrative Officer
Mr. Benjamin serves as the Vice Chairman & Chief Administrative Officer of GreenSky. Prior to joining GreenSky in 2014, Mr. Benjamin served as the Managing Partner of Atlanta Equity Investors, LLC (“AEQ”), a middle market private equity firm. Prior to co-founding AEQ, Mr. Benjamin served as a Managing Director with Navigant Capital Advisors, LLC (NYSE:NCI), where he directed the activities of NCA’s Investment Banking Practice nationally, along with leading the group’s Private Equity advisory activities. Mr. Benjamin has 30 years of investment banking, corporate finance advisory, principal investing and restructuring experience. Prior to joining NCA, Mr. Benjamin was a Senior Managing Director with Casas, Benjamin & White LLC, a nationally recognized restructuring and merger and acquisitions advisory firm. Mr. Benjamin previously served as CEO of a boutique mergers and acquisition advisory firm, and as CEO of Premier Healthcare, Inc., a healthcare services venture management and development firm. In additional to serving as a board member and audit committee chair of numerous publicly traded and private companies, Mr. Benjamin also serves on the Board of Trustees of The Woodward Academy, The University of Kentucky Gatton College of Business & Economics, along with serving as the immediate past Chairman of the Board of Trustees of The Jewish Federation of Greater Atlanta.
Mr. Benjamin is a CPA and attended the University of Kentucky on a full tuition music scholarship, receiving a Bachelor of Science degree in accounting (Lexington, 1979), where he was named a Coopers & Lybrand Scholar.
President & Chief Risk Officer
Mr. Kaliban joined GreenSky in 2012. Mr. Kaliban is responsible for Credit Risk Management, Compliance, and Bank Relationships. Mr. Kaliban’s career spans nearly 30 years in roles focused on the management of lending, compliance, servicing, and product development.
Before joining GreenSky, Mr. Kaliban served as the Chief Operating Officer and Executive Vice President of Risk and Portfolio Management for TCM Bank, a leading provider of consumer and business credit card services to over 600 banks nationwide. Earlier, Mr. Kaliban directed product management and delivery for the card services division of FIS, which tops the FinTech 100 list of technology providers to financial services companies worldwide. Previously, Mr. Kaliban headed the card services unit of BankNorth, managing credit card, debit card, merchant, ATM, and agent bank services. Mr. Kaliban also pioneered the electronic delivery of state benefits through debit cards with Tier Technologies.
Mr. Kaliban received his B.A. from Middlebury College and his MBA from Tulane University.
EVP, Capital Markets
As our Executive Vice President, Capital Markets, Robert Partlow works directly with institutional investors (including asset managers, insurance companies, and retirement funds), and investment bankers, structuring advisors, and the rating agencies in arranging forward flow, whole loan, loan participation, securitization, and bank waterfall funding issuances with an emphasis on optimizing GreenSky’s funding cost efficiency and flexibility. He previously served as GreenSky’s Executive Vice President and Chief Financial Officer for six years.
Prior to joining GreenSky, Mr. Partlow served as Executive Vice President and Chief Financial Officer for Seneca Mortgage Investment LLP, an investor and servicer in residential mortgage servicing. Previously, Mr. Partlow was Senior Vice President at SunTrust with responsibilities that included managing SunTrust’s mortgage loan portfolio and MSR portfolio. Before joining SunTrust, Mr. Partlow was CFO for Fieldstone Investment Corporation, a NYSE Traded REIT that originated and invested in residential mortgages where he established the REIT’s securitization program and led the REIT’s IPO. Previously, Mr. Partlow was Executive Vice President & CFO for Saxon Capital, Inc., a NYSE traded originator, servicer, and investor in residential mortgage loans where he managed the Accounting, Finance and Capital Markets functions and managed the company’s IPO. Earlier, Mr. Partlow worked at KPMG as a Senior Tax Consultant and the Federal Reserve Bank of Richmond as an Assistant Bank Examiner.
Mr. Partlow received a B.S. in Business Administration from the University of Richmond and a M.S. in Accountancy from the University of Virginia.
President, Home Improvement & Specialty Retail
Mr. Forshay joined GreenSky in 2016 and is responsible for GreenSky’s Home Improvement and Retail business units. Mr. Forshay brings over 16 years of high growth sales leadership experience from across the technology space. Prior to joining GreenSky, he built sales for Reach150, a leader in referral management, where he accelerated Sales by 10x in 6 quarters. Before Reach150, Mr. Forshay spent the first 15 years of his career at Dell and Lenovo where he led multi-billion dollar organizations across the technology stack, and was responsible for post-merger integration efforts for key acquisitions. Mr. Forshay is a two time graduate of the University of Virginia earning his BA in Economics and Government and later his MBA from the Darden School of Business.
President, GreenSky Patient Solutions
Mr. Kelly is an experienced healthcare executive whose career spans over 37 years in healthcare devices and services.
Prior to launching GreenSky’s expansion into healthcare consumer financing in 2015, he served as Chief Executive Officer of CarePoint Health, a privately held integrated delivery network of three acute care hospitals and two multi-specialty physician practices with over 450 physicians. Previously, Mr. Kelly was President and CEO of NewHope Bariatrics, an ambulatory surgery center company that partnered with surgeons primarily focused on weight loss surgical procedures.
Mr. Kelly received his RT.R. from the University of Utah and his Bachelor of Science from Westminster College in Salt Lake City, UT.
Enterprise Chief Operating Officer
Dr. Byrd is GreenSky’s Enterprise Chief Operating Officer, accountable for enterprise operations and aspects of enterprise risk. Dr. Byrd has more than 20 years of executive leadership and consulting experience in lending institutions (SallieMae and CapitalOne), legal services companies (LeClairRyan and UnitedLex), and financial technology companies (Currency Capital being the most recent). Dr. Byrd applies those experiences to advancing the human capital and business infrastructures underpinning GreenSky’s day-to-day portfolio servicing operations and growth.
As a non-traditional student, Dr. Byrd opted out of undergraduate coursework and earned an MBA from George Mason University, an MA in Human and Organizational Systems and a Ph.D. in Organizational Development from Fielding Graduate University. Dr. Byrd earned a Certificate in Leadership Coaching from Georgetown University, and spent ten years as an adjunct professor teaching graduate and undergraduate business school courses at the University of Mary Washington. Dr. Byrd also consults with Members of the U.S. House of Representatives on organizational and office leadership issues.
Chief Technology Officer
Mr. Bartlett is responsible for all technology and product-related functions. This includes software engineering, infrastructure, technology operations, information security, product development and the PMO. He has deep experience leading large, complex global product development and IT organizations at TD Ameritrade and First Data as well as smaller, nimble entrepreneurial teams at SecureNet Payments/Worldpay and Hyperwallet. As Chief Technology Officer and Head of Global Operations at Hyperwallet, Mr. Bartlett led all technology and operational functions with responsibilities that included development, product management, architecture, physical & information security, infrastructure & operations, facilities, call center operations, payment operations and client care. Mr. Bartlett led SecureNet’s technology functions, responsible for deploying new technologies as well as the management of development, infrastructure & operations, architecture and security of SecureNet’s end-to-end payments platform. Previously, Mr. Bartlett was SVP and Chief Development Officer for First Data Corp. He led the Global Product Development organization, consisting of over 4,000 staff in 14 countries. Prior to First Data, Mr. Bartlett was SVP and Chief Technology Officer for TD Ameritrade and led all information technology initiatives, including business technology planning, application development, security, and IT infrastructure and architecture. Mr. Bartlett was recognized as one of ComputerWorld’s Premier 100 IT Leaders based on his leadership in managing risk and execution during a key merger at TD Ameritrade.
Mr. Bartlett has served on numerous boards, including Wells Fargo Merchant Services Board; the Wall Street Technology Association Board; NASDAQ Technology Advisory Council; and has regularly been invited as a conference speaker on topics such as Leadership Development, Innovation, IT Governance, IT/Business Alignment and Outsourcing.
He holds a Bachelor of Science in Technology and Management from The University of Maryland.
Chief Information Officer
Mr. Smith is a seasoned IT executive who brings more than 25 years of experience to GreenSky where he is responsible for the development and support of enterprise architecture, business systems and technology infrastructure. Over his career, Mr. Smith has created technology strategies for multiple high-growth ventures including IPG, ChoicePoint, and The Home Depot. As CIO of IPG, Mr. Smith provided the technology leadership to develop the infrastructure, products and data analytics to secure IPG’s leadership role as the Medical Device Implant Management solution for healthcare. At ChoicePoint, Mr. Smith presided over a technology strategy that supported millions of insurance, public record, background and drug-screening inquiries per day. Mr. Smith was also part of the leadership team in the technology department at The Home Depot during their highest growth years. He helped create the infrastructure that supported the company during a time when it opened a new store every 23 hours, hired 400 people per day and handled over 1,000 register transactions per second.
Mr. Smith earned an Associate’s degree in Computing Programming from ECPI and studied Computer Science at Southern Polytechnic State University. Mr. Smith is widely recognized for his technology accomplishments to help drive business value, most recently he earned the Georgia CIO Leadership award and was in the top 100 for the CIO.COM CIO 100 award.
EVP & Chief Human Resources Officer
As GreenSky’s Executive Vice President and Chief Human Resources Officer, Ms. Rickard is responsible for all areas of recruiting, employee retention, compensation, organizational development, employee benefits, company internal communications, and talent management. In addition, Ms. Rickard oversees the development and nurturing of the corporate culture. Ms. Rickard has over 30 years of experience designing and implementing successful new programs, processes, talent acquisition & development, and training. Ms. Rickard began her career in the banking industry with Wachovia Corporation.
For the past 24 years, Ms. Rickard has been a member of leading executive teams, working in fast paced, high growth, entrepreneurial cultures, including WebMD and Press Ganey. Most recently at Streamline Health, she led her team in building a strong culture following a series of acquisitions that changed the size and scope of the original company by aligning the processes, policies and offerings for the business’s future state. At Press Ganey she managed a large HR team, focusing on merger and acquisition diligence and integration, as well as the growth and development of the organization. At WebMD Ms. Rickard managed a team of 20 to help shepherd the corporation through rapid growth during the ultra-fast-paced dot.com era, including the diligence and assimilation of 26 acquisitions. She was part of the executive team that took the online division of WebMD public in 2005.
Ms. Rickard received a BA from Albion College and her Masters from the University of Michigan.
EVP, Chief Legal Officer
As GreenSky’s Chief Legal Officer, Mr. Fox serves as strategic legal adviser to the GreenSky senior leadership team, oversees all of GreenSky’s legal and related functions and is responsible for all governmental and regulatory affairs and corporate governance matters. Prior to joining GreenSky, Mr. Fox was a senior partner at Rogers & Hardin LLP, where he counseled publicly and privately held businesses, boards of directors and board committees, private equity funds and financial advisors in connection with mergers and acquisitions, capital markets transactions, corporate governance and a wide range of commercial and corporate matters. A former Chairman of the Business Law Section of the State Bar of Georgia, Mr. Fox’s professional recognition includes his selection as 2016 Atlanta Lawyer of the Year (Mergers & Acquisitions) by The Best Lawyers in America®, his selection as one of the top 100 lawyers in Georgia by Atlanta Magazine, and his inclusion in Chambers USA: America’s Leading Lawyers for Business, The Best Lawyers in America®, Georgia Super Lawyers, The International Who’s Who of Business Lawyers and Georgia Trend Magazine’s Legal Elite. Mr. Fox has spoken and written extensively on matters of corporate law and corporate governance and has served on the boards of various public and private companies and non-profit organizations.
He graduated from the University of North Carolina at Chapel Hill with a B.A. in Economics and earned his J.D. at the University of Michigan Law School.
EVP, Capital Markets
Mr. Mustacchi joined GreenSky in 2014 and is responsible for the Company’s Bank Partner Origination activities. Mr. Mustacchi has over 25 years of Investment Banking, Capital Markets, Syndicated Loan Origination, Underwriting and Placement, Portfolio Management and Accounting experience. Before joining GreenSky, Mr. Mustacchi was a Managing Director at Dresner Partners where he was Head of Retail and Consumer Products Investment Banking and was Managing Director and Head of Specialty Retail and Consumer Products Investment Banking at Navigant Capital Advisors. Prior to joining Navigant, Mr. Mustacchi was a Managing Director in the Merchant Banking Group at BNP Paribas, Vice President and Head of Underwriting at The Bank of New York Commercial Corporation, a Senior Examiner in the Audit Group at Bankers Trust and a Senior Accountant at Koenigsberg Wolf & Co., LLC., a middle market public accounting firm.
Mr. Mustacchi received a B.S in Accounting and Economics from New York University’s College of Business and Public Administration and an MBA from New York University’s Stern School of Business.
Chief Operating Officer
As our Chief Operating Officer, Ritesh is responsible for driving strategy and execution across all operational functions including customer acquisition, account servicing, risk operations and collections. Ritesh’s career spans over 20 years in driving strategic growth, operational excellence and customer‐focused technological innovation in financial services across large established and start‐up organizations. Prior to joining GreenSky, Ritesh was Chief Operating Officer at CAN Capital, a FinTech in small business lending, where he led operations and technology development functions with responsibilities that included sales operations, credit underwriting operations, customer servicing, collections, product management and technology re‐platforming strategy. Previously, Mr. Gupta served as Vice President of Operations for Capital One Bank and played a variety of leadership roles in credit card operations, technology, partnerships and procurement. Earlier in his career, Ritesh worked at ITC Ltd. India leading manufacturing operations. Ritesh holds a Bachelor of Technology in Engineering from I.I.T. Kanpur, India and an MBA from I.I.M. Ahmedabad, India.
Chief Technology Officer
As the Chief Technology Officer of GreenSky, Mr. Vastani has responsibility for strategic planning, development, IT operating practices, information security, and IT organizational design. Prior to joining GreenSky, Mr. Vastani was the Chief Technology Officer leading product development, technology vision, engineering, security, infrastructure and operations of Kava (formerly Kaneva). Prior to Kava, he was the founding executive and General Manager of Asurion’s Atlanta Development Center responsible for building a model center of software delivery excellence delivering a high quality, multi-tenancy claims and fraud management platform for Asurion’s Asia-Pacific markets. At Asurion, Mr. Vastani also led an innovative risk and fraud management platform team that delivered a modern and scalable platform for advanced risk management services. Leading up to Asurion, he served as SVP, Research and Development at Nextgen Healthcare (NASDAQ: QSII) where he led the development of an electronic health records management platform for integrated ambulatory and hospital delivery network market. Prior to joining Nextgen, he joined Cbeyond (NASDAQ: CBEY, acquired by Birch in 2014) shortly after its inception and for over 11 years contributed to the company’s evolution from a startup to a thriving publicly traded entity providing telecommunications and cloud services to small and medium businesses.
Mr. Vastani graduated with BS and MS degrees in Computer Engineering from the University of Texas at Austin. In 2019 he was appointed on the Board of the Georgia Technology Authority which oversees a $280M technology budget for the State of Georgia and its 1,300 agencies. Mr. Vastani is also a founding Board Member and the current President of ATLCTO, an organization that engages product and technology leaders from across the metro Atlanta region.
EVP & Chief Financial Officer
Mr. Kang joined Greensky in 2020 as Executive Vice President and Chief Financial Officer and is responsible for the company’s corporate finance, financial planning & analysis, budgeting, accounting, internal audit, funding & liquidity and investor relations functions.
Mr. Kang has over 20 years of experience in banking and consumer finance and most recently served as Corporate Treasurer for Santander Holdings USA, the $150 billion U.S. bank holding company of Banco Santander S.A., and for Santander Consumer USA, a full spectrum auto finance company. He was responsible for and managed over $50 billion in securitizations, private credit facilities and asset sales and oversaw the company’s asset liability management, capital & balance sheet management, strategic planning, and investor relations functions. Previously, Mr. Kang held positions in finance and treasury at Exeter Finance, HSBC Finance, Capital One and Thomson Reuters and has experience in financial reporting, accounting, audit, and internal controls for both public and private companies. Mr. Kang received his Bachelor of Arts in Biology and Post-baccalaureate certification in Accounting, both from the University of Virginia.
Chief Credit Officer
Jennifer Russell joined GreenSky in 2019 and is the Executive Vice President and Chief Credit Officer. She is responsible for credit and fraud risk management of both our merchant network and consumer loans facilitated through the GreenSky technology platform. Ms. Russell has over 25 years of risk management experience in the financial services industry and e-commerce including managing credit and fraud risk of consumer, small and medium businesses and large corporates. She joined GreenSky from eBay where she was responsible for marketplace listing policies and managing the transformation of the risk management capabilities throughout the e-commerce marketplace. Prior to joining eBay, Ms. Russell was the Chief Risk Officer for Global Commercial Payments at Barclays Bank PLC, managing credit and fraud risk for small, medium and corporate payments products. Prior to that, she held a variety of positions at American Express including leading consumer co-brand underwriting, commercial underwriting, consumer card targeting and acquisition analytics, consumer card retention analytics and served as the regional risk officer for commercial payments for the Americas. Ms. Russell earned a BBA in Risk Management from the University of Memphis and an MBA from the University of Southern California.
President, Home Improvement & Specialty Retail
Mr. Davis joined GreenSky in 2012 and leads the Company’s Home Improvement and Specialty Retail business units. Mr. Davis is directly responsible for Home Improvement sales management, planning, and training, product planning, and initiating and maintaining key strategic sponsor relationships He brings over ten years of sales leadership experience to the Company and has directly sold, managed corporate partnerships, and led teams delivering over $20 Billion in aggregate loan volume. Prior to joining GreenSky, he managed merchant portfolios in the home improvement business at Lyon Financial and EnerBank USA resulting in hundreds of millions of transacted loan growth. Mr. Davis has spent his entire career developing sales strategies for merchants to generate growth from enhanced payment options at the point of sale.