David Girouard | $1B+

Billionaire

Aug 1

Get in touch with David Girouard | David J. “Dave” Girouard is the American tech executive and fintech innovator who co-founded Upstart in 2012 and has led as CEO through its public listing on Nasdaq. A former President of Google Enterprise, he built Google’s billion‑dollar cloud apps business before founding Upstart to revolutionize consumer lending using AI and alternative data.

David Girouard is the CEO of New York City-based fintech lender Upstart, which he cofounded in 2012.
Upstart listed on the Nasdaq in December 2020, raising about $240 million and nabbing a $12.2 billion market cap on its first day of trading.
Girouard became a billionaire in March 2021 after a blockbuster earnings release sent shares soaring; he owns 14% of Upstart's stock.
A Dartmouth College graduate, he dabbled in consulting at Accenture's Boston office before pursuing an MBA at the University of Michigan.
He landed his first Silicon Valley job at Apple in 1994 then joined Google in 2004, helping to build Google Cloud before leaving to launch Upstart.


Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness.

Upstart Holdings, Inc.
Company typePublic
Traded as

Nasdaq: UPST
Russell 2000 component

IndustryFinancial technology
FoundedApril 2012; 13 years ago
Founders

Dave Girouard
Anna Counselman
Paul Gu

Headquarters San Mateo, California, U.S.
Area served United States
Revenue US $842 million (2024)
Operating income US$−114 million (2024)
Net income US $−109 million (2024)
Total assets US $2.37 billion (2024)
Total equity US $633 million (2024)
Number of employees 1,193 (2024)
Website upstart.com
Footnotes / references
[1]

The founding team includes Dave Girouard, former President of Enterprise Google; Paul Gu, a Thiel Fellow; and Anna Counselman, former Manager of Global Enterprise Customer Programs and Gmail Consumer Operations at Google.[2]

Upstart first launched in April 2012 with an Income Share Agreement (ISA) product, which enabled individuals to raise money by contracting to share a percent of their future income. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace.[3] With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well.

Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower. This means that in addition to traditional underwriting criteria—FICO score, credit report, and income—the Upstart underwriting considers education variables—colleges attended, area of study, GPA, and standardized test scores—and work history to develop a statistical model of the borrower's financial capacity and personal propensity to repay.[4]

Upstart raised a $1.75M seed round from First Round Capital, Kleiner Perkins Caufield & Byers, New Enterprise Associates, Google Ventures, Crunchfund and Mark Cuban. They subsequently raised a series A round of $5.9M which included new investors Eric Schmidt (Google Executive Chairman), Marc Benioff, Khosla Ventures, Correlation Ventures, Founders Fund, and Collaborative Fund.[2] Upstart raised a Series C round of $35M from Third Point Capital in June 2015,[5] and $32.5M from Rakuten in 2017.[6] Upstart raised a Series D round of $50M from The Progressive Corporation in 2019.[7]

In late 2020, Upstart went public via an initial public offering.

Join UHNWI direct Affiliate Program

Earn Passive Income by Sharing Verified Contact Information of Billionaires, Centi-Millionaires, and Multi-Millionaires on the UHNWI Direct Platform

Maximize your earnings potential by sharing direct and validated contact information of the ultra-wealthy, including billionaires, centi-millionaires, and multi-millionaires. Join the UHNWI Direct platform and tap into a lucrative passive income stream by providing valuable data to those seeking high-net-worth connections. Start earning today with UHNWI Direct.

Apply to Join Affiliate Program

You may also be interested in reviewing other UHNWIs profiles.

To find the person you want to contact, start typing their name or other relevant tags in the search bar.

Please note: Our database contains over 10,000 direct contacts of UHNWIs, and it is highly likely that the individual you are seeking is already included. However, creating individual profiles for each contact is a meticulous and time-intensive process, So, if you are unable to find the profile of the individual you are looking for, please click here.

Filter by Net Worth: All | Billionaires | Centi-Millionaires | Multi-Millionaires

Filter by Age: 1920-1930 | 1930-1940 | 1940-1950 | 1950-1960 | 1960-1970 | 1970-1980 | 1980-1990 | 1990-2000

Filter by: Men | Women

Related People

UHNWI direct

Jeremy Allaire | $1B+

Jeremy Allaire, cofounder, CEO, and chairman of Circle, has spent more than a decade trying to build the financial plumbing of the internet age. A serial entrepreneur whose earlier ventures included Brightcove and Allaire Corporation, he helped turn Circle into one of crypto’s most important infrastructure companies through USDC, the dollar-backed stablecoin at the center of its business. With Circle’s rise as a major force in digital payments and blockchain-based finance, Allaire has become one of the most visible executives shaping the convergence of fintech, crypto, and global money movement.

Karim Atiyeh | $1B+

Karim Atiyeh, cofounder and CTO of Ramp, has helped build one of fintech’s fastest-rising platforms by turning corporate spend management into a software and automation engine for modern businesses. After previously cofounding Paribus with Eric Glyman, he launched Ramp in 2019 and played a central role in shaping the company’s technology across cards, expense management, bill pay, and AI-driven financial operations. Known for deep technical focus and product rigor, Atiyeh has emerged as one of the key architects behind Ramp’s rapid ascent.

Gene Lee | $1B+

Gene Lee, Ramp cofounder and head of growth engineering, helped build one of fintech’s fastest-rising companies by turning corporate spend management into a software-driven efficiency engine. After previously helping launch Paribus with Eric Glyman and Karim Atiyeh, he joined them again at Ramp in 2019, where the company grew into a major finance platform spanning corporate cards, expense management, bill pay, and automation. Known for his product and engineering focus, Lee has been part of a founding team that reshaped how modern businesses manage spending.

Eric Glyman | $1B+

Eric Glyman, cofounder and CEO of Ramp, has emerged as one of fintech’s fastest-rising founders by building a finance automation platform designed to save businesses both time and money. After previously cofounding Paribus, which was acquired by Capital One, he launched Ramp in 2019 and helped scale it into one of the most valuable private fintech companies, spanning corporate cards, expense management, bill pay, and AI-powered financial operations. Known for product intensity and a contrarian focus on customer savings rather than rewards, Glyman has become a defining figure in the new era of business finance.

Zach Perret | $1B+

Zach Perret, cofounder and CEO of Plaid, built one of the most important financial infrastructure companies in fintech by making bank-account connectivity a core layer of the digital economy. Since launching Plaid in 2012, Perret has helped turn the company into a trusted data network powering payments, lending, investing, and personal finance apps used by millions of consumers and businesses. Under his leadership, Plaid has expanded from account-linking tools into a broader platform for open finance, fraud, and identity products, cementing its role as a foundational enabler of modern financial services.

William Stone | $1B+

William C. Stone, chairman and CEO of SS&C Technologies, built one of the most influential financial software and services companies serving asset managers, banks, and insurers worldwide. Since acquiring SS&C in 1986, Stone expanded the firm through relentless acquisitions and disciplined integration, transforming it into a global platform providing investment management software, fund administration, and financial operations services. Known for aggressive dealmaking and operational efficiency, he has positioned SS&C as a critical infrastructure provider to the global financial industry.

William Hockey | $1B+

William Hockey, cofounder of Plaid, helped build one of the most important financial infrastructure companies powering the modern fintech ecosystem. As an early leader of Plaid, he played a central role in scaling the platform that connects consumer bank accounts to apps and financial services used by millions worldwide. After helping grow Plaid into a core payments and data connectivity layer for fintech, Hockey went on to found Column, a technology-driven banking platform aimed at modernizing financial infrastructure from the ground up. His career reflects deep influence across the architecture of digital finance.

Vlad Tenev | $1B+

Vlad Tenev, cofounder and CEO of Robinhood, built one of the most disruptive retail investing platforms by bringing commission-free stock trading and a mobile-first experience to millions of users. After launching Robinhood in 2013, Tenev helped popularize zero-commission trading, options access, and fractional shares, reshaping how a new generation engages with financial markets. The platform’s rapid growth—and its central role in the meme-stock era—made Tenev a defining figure in modern fintech, navigating both explosive adoption and intense regulatory scrutiny while continuing to expand Robinhood’s financial services ecosystem.

Thomas Secunda | $1B+

Thomas Secunda is a co-founder and Vice Chairman of Bloomberg L.P., where he famously served as the chief engineer for the Bloomberg Terminal. Over his four-decade career, he has been the primary architect of the company’s financial products, overseeing the development of the data and analytics tools that define modern global finance. In early 2026, he made headlines for his landmark $30 million gift to his alma mater, Binghamton University, to establish the Center for AI Responsibility and Research. This contribution is a cornerstone of the "Empire AI" initiative, a public-private partnership aimed at positioning New York as a leader in ethical and transparent artificial intelligence development.

Ryan Breslow | $1B+

Ryan Breslow, founder of Bolt, emerged as one of fintech’s most recognizable young entrepreneurs by building a one-click checkout platform designed to rival the dominance of legacy payments giants. After founding Bolt in 2014, Breslow positioned the company around speed, fraud prevention, and merchant-first economics, signing major retail clients and raising capital at multibillion-dollar valuations. Known for aggressive ambition and a polarizing leadership style, his tenure also drew scrutiny over corporate governance and internal disputes, making Bolt a high-profile case study in hypergrowth startup culture and fintech competition.

Ronald Clarke | $1B+

Ronald F. Clarke, founder and longtime CEO of Corpay, Inc. (formerly FleetCor Technologies), built one of the most successful corporate payments platforms by consolidating specialized B2B payment markets and scaling them globally. Under his leadership, the company expanded far beyond fuel cards into cross-border payments, commercial payables, toll and lodging solutions, and expense management—largely through disciplined acquisitions and operational efficiency. Clarke became known for building a high-margin fintech powerhouse serving enterprises, fleet operators, and government clients worldwide.

Max Levchin | $1B+

Max Levchin, cofounder of PayPal and CEO of Affirm, is one of Silicon Valley’s most influential fintech architects, having helped define digital payments, online identity, and modern consumer credit. As PayPal’s original CTO, Levchin built the company’s core anti-fraud and risk systems, laying the groundwork for one of the internet’s most successful financial platforms. He later founded Affirm to reinvent consumer lending with transparent, installment-based payments that challenge traditional credit cards. A prolific angel investor and cofounder of the Founders Fund, Levchin has backed and shaped dozens of iconic tech companies, earning a reputation for deep technical rigor, product-driven leadership, and long-term conviction.

Pedro Franceschi | $1B+

Pedro Franceschi, Brazilian-born entrepreneur and technologist, is the cofounder and co-CEO of Brex, a fintech company transforming how startups and enterprises manage credit and financial services. A coding prodigy from a young age, he gained early recognition for developing tools to bring Siri to non-Apple devices before joining forces with Henrique Dubugras to launch Brex in Silicon Valley. Together, they scaled the company into a multibillion-dollar fintech platform, making Franceschi one of the youngest self-made billionaires and a leading voice in the future of global finance and technology.

Henrique Dubugras | $1B+

Henrique Dubugras, Brazilian-born entrepreneur, is the cofounder and co-CEO of Brex, the fintech company revolutionizing corporate credit cards and financial services for startups and enterprises. A tech prodigy, he launched his first startup as a teenager before moving to Silicon Valley, where he and cofounder Pedro Franceschi built Brex into a multibillion-dollar company backed by leading investors. Known for his sharp vision and ability to scale fast-growing businesses, Dubugras has become a defining figure in the new wave of fintech, bridging Silicon Valley innovation with global entrepreneurship.

Hayes Barnard | $1B+

Hayes Barnard, founder, chairman, and CEO of GoodLeap, has emerged as a major force in sustainable finance by creating one of America’s leading platforms for solar and home efficiency lending. Starting his career in mortgage and financial services, Barnard launched GoodLeap to connect homeowners with affordable financing for clean energy upgrades, while enabling installers and contractors to scale their businesses. The company has facilitated tens of billions in loans for solar panels, batteries, and energy-efficient products, positioning Barnard as a visionary driving both profitability and impact in the transition to renewable energy.

David Zalik | $1B+

David Zalik is the Canadian‑American entrepreneur who co‑founded GreenSky in 2006. After founding MicroTech at age 14 and launching several tech ventures, he built GreenSky into a fintech unicorn connecting banks, contractors, and homeowners in home‑improvement and healthcare financing. He remains a billionaire with over 50% ownership of the company.

David Girouard | $1B+

David J. “Dave” Girouard is the American tech executive and fintech innovator who co-founded Upstart in 2012 and has led as CEO through its public listing on Nasdaq. A former President of Google Enterprise, he built Google’s billion‑dollar cloud apps business before founding Upstart to revolutionize consumer lending using AI and alternative data.

Chris Larsen | $10B+

Chris Larsen is the San Francisco–born entrepreneur and co‑founder of Ripple Labs, the blockchain firm transforming cross-border payments. Previously, he founded E‑Loan, one of the first online mortgage platforms, and Prosper Marketplace, the peer-to-peer lending pioneer. A radical pro-consumer advocate, Larsen introduced free FICO credit scores for borrowers and championed digital privacy reforms in California and beyond.

Chris Britt | $1B+

Chris Britt is the co-founder and CEO of Chime, the pioneering mobile-first fintech platform launched in 2012 as a fee-free alternative to traditional banking. A Tulane University graduate and former product leader at Visa and Green Dot, Britt scaled Chime to serve over 20 million customers and guided its successful 2025 IPO on Nasdaq (ticker: CHYM), which valued the company at $11.6 billion.

Charles Zegar | $1B+

Charles Zegar is an American technologist and billionaire investor who co-founded Bloomberg L.P. in 1982 alongside Michael Bloomberg, Tom Secunda, and Duncan MacMillan. As lead software architect, he built the original infrastructure for what became the Bloomberg Terminal—a core engine of global financial markets. Today he remains a discreet yet influential philanthropist through the Zegar Family Foundation.

Andrea Pignataro | $10B+

Andrea Pignataro is an Italian billionaire businessman, known for founding and leading ION Group, a financial software and data company. He has a reputation for being a highly private individual with significant influence in the financial technology industry.

Daniel Gilbert | $10B+

Daniel Gilbert is an American billionaire businessman and co-founder of Quicken Loans, the largest mortgage lender in the United States. He is also the owner of the NBA's Cleveland Cavaliers and a significant figure in the revitalization of Detroit. Known for his entrepreneurial spirit and community-focused initiatives, Gilbert has made substantial contributions to both the business world and his local community.

Changpeng Zhao | $50B+

Changpeng Zhao, also known as CZ, is a Chinese-Canadian billionaire and the founder and former CEO of Binance, the world's largest cryptocurrency exchange by trading volume. Known for his influential role in the cryptocurrency industry, Zhao has significantly impacted the digital financial landscape.

Michael Bloomberg | $100B+

Michael Bloomberg is an American businessman, politician, philanthropist, and author. He is the founder of Bloomberg L.P., served as the Mayor of New York City, and is a notable philanthropist with a focus on public health, education, and environmental initiatives.

Essential marketing tools to effectively engage wealthy individuals, tailored to meet any personal, marketing, or sales objectives.

Use tags below for more precise targeting.

ManUSABillionaireDavid Girouard1960-1970UpstartFinancial technologyFintechDartmouth CollegeUniversity of MichiganWork at GoogleAppleRedwood CityCaliforniaAnna CounselmanPaul GuAI lending platformConsumer loans

UHNWI data https://www.uhnwidata.com/

David Girouard | $1B+

Join UHNWI direct Affiliate Program

Earn Passive Income by Sharing Verified Contact Information of Billionaires, Centi-Millionaires, and Multi-Millionaires on the UHNWI Direct Platform

You may also be interested in reviewing other UHNWIs profiles.

Related People

Marketing Tools

Essential marketing tools to effectively engage wealthy individuals, tailored to meet any personal, marketing, or sales objectives.

Use tags below for more precise targeting.

David Golub | $1B+

David Geffen | $1B+