Ralph L. Leung Email and Phone Number
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Right-brained finance exec. Team builder. Business partner. Numerical storyteller. Former investment banker > CFO > public company $1Bn+ P&L operator. Proud dad of two boys and a baby girl. Currently serving as Chief Operating Officer and Chief Commercial Office at leading B2B AI fintech, Pagaya (NASDAQ: PGY). Accountable for Pagaya’s $1Bn+ P&L, end-to-end commercial efforts and operations across our personal loans, auto, and point-of-sale verticals. Previously 4x strategic CFO for venture capital/private equity-backed companies with 25 years of progressive leadership experience across strategic finance/FP&A, financial operations, equity/debt capital raising, structured products capital markets, investment banking, M&A and corporate strategy. Back-to-back winner of OnCon Icon Awards for “CFO of the Year” in 2022 and 2023 and Top 10 Finance Team in 2023. Recognized as Top 25 CFOs of 2024 in San Francisco Bay Area by TOPCFOs. Breadth and depth of experience spans serving as CFO for late growth-stage VC-backed tech companies driving revenue growth and healthy unit economics, to CFO of large PE-backed fintech undergoing large digital transformation program, and to senior deal maker advising on multi-billion dollar transformative M&A and IPOs for large cap businesses globally. Past life as a tech, fintech and M&A senior investment banker at Morgan Stanley, working closely with multinational CEOs/CFOs to scale revenue, drive profitability, and/or craft story and positioning in advance of an IPO or a strategic exit.Personally led over a dozen IPO processes end-to-end (as lead-left bookrunner), another two dozen private fundraises from Series B through pre-IPO, and successfully raised $65+ billion of equity and debt capital (including as both operating CFO and as investment banker). Led Fivestars (backed by Lightspeed, DCM, Menlo and HarbourVest) as deal-making CFO through a competitive multi-offer process and successful exit to global payments leader SumUp for $317 million in 2021. Also led three Morgan Stanley-owned subsidiary businesses through successful exits/sales as negotiating principal and advised on 50+ strategic M&A transactions and exits for $90+ billion of value as investment banker.Broad industry experience across enterprise/retail/SMB technology (internet, e-commerce, SaaS, marketplaces, networks, EV), fintech (digital lending and payments), and financial services (exchanges, broker dealers, banks, asset managers).
Pagaya
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Chief Operating Officer And Chief Commercial OfficerPagaya 2024 - PresentNew York, UsPagaya (NASDAQ: PGY), headquartered in New York, is a global technology company making life-changing financial products and services available to more everyday people nationwide as we reshape the financial services ecosystem. By using machine learning, a vast data network and an AI-driven approach, Pagaya provides consumer credit for our enterprise lending partners, their customers, and asset investors/funding partners. Our proprietary API and capital solutions integrate into our network of 31 lending partners and 120+ asset investors. Since inception, Papaya’s network has received and evaluated $2Tn+ consumer credit applications and has funded $25Bn+ across 60+ ABS transactions since 2018. #1 personal loans ABS issuer in U.S.$1Bn+ P&L owner. Overseeing Pagaya’s end-to-end commercial efforts and operations across our personal loans, auto, and point-of-sale verticals. Objective to optimize capital and operating efficiency to drive profitable and sustainable growth, margins and cash flows. Leading a ~150 person organization across the value chain including:> client revenue and economics strategy> AI research, modeling and underwriting> credit strategy/operations and portfolio management> capital markets (public ABS, private capital and investor relations) Driving product innovation and building/expanding Pagaya’s capital partners network to further strengthen and expand the Company’s funding capabilities, including establishing a robust private funding model to complement our leading public ABS capabilities.
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Investor And Limited PartnerFog Ventures 2021 - PresentSan Francisco, Ca, UsFOG Ventures was created to invest and support innovative founders that are helping create toolbox 2.0 for the modern day operator. We’re backed by the world's top COOs & CFOs at tech’s most prominent startups. We do not just invest in what we believe in — as active operators, we’re investing in products we actually love and use. -
Investor And Limited PartnerOperator Stack Fund 2021 - PresentEarly-stage technology fund focused on enterprise applications (FinTech, B2B SaaS and Process Automation). -
InvestorDrata 2022 - PresentSan Diego, Ca, UsBacked by ICONIC Growth, GGV Capital, Alkeon, Salesforce Ventures, Okta Ventures, and Cowboy Ventures, Drata is a prominent security and compliance automation platform. -
InvestorBlockdaemon 2022 - PresentRemote First, UsBacked by Sapphire, Tiger Global, SoftBank VF2, Boldstart, Citi Ventures, Salesforce Ventures, Matrix Capital and Galaxy Digital, Blockdaemon is the leading institutional-grade blockchain infrastructure company for node management and staking. -
InvestorPave 2022 - PresentSan Francisco, California, UsBacked by Index Ventures, a16z, Bessemer Venture Partners and Craft Ventures, Pave is a real-time compensation platform that helps companies effectively plan, communicate, and benchmark compensation. -
InvestorNorthone 2022 - PresentNew York, New York, UsBacked by Battery Ventures, Redpoint Ventures and Tencent, NorthOne is a leading SMB-focused neobank that provides digital banking services for over 320k small businesses. -
InvestorSuperplastic® 2022 - PresentLos Angeles, California, UsBacked by Google Ventures, Index Ventures, Founders Fund, Craft Ventures, and Galaxy Digital, Superplastic is the leader in luxury art toys, music, fashion, and Web3, with countless collaborations and experiences positioned at the intersection of digital and physical realms including Gucci and Fortnite. -
InvestorInfinicept 2022 - PresentDenver, Co, UsBacked by SVB Capital, Piper Sandler and Mastercard, Infinicept is a leading provider of embedded payment solutions and helps software companies expand into PayFacs. -
InvestorCatalyst Software 2022 - PresentNew York, New York, UsBacked by Accel and Spark Capital, Catalyst is the world's most intuitive Customer Success Platform (CSP). -
InvestorVareto 2021 - PresentMountain View, Ca, UsBacked by Menlo Ventures and GV, Vareto is a strategic finance platform built for enterprise and growth-stage companies to help automate and streamline routine work so FP&A teams can focus on driving the business forward -
InvestorTropic 2021 - PresentRemote, UsBacked by Insight Partners and Canaan, Tropic is a tech-enabled procurement service that helps companies of all sizes—from startups to Fortune 500s—buy software, manage contracts, and guarantee savings. -
Chief Financial OfficerAchieve 2021 - Jul 2024Achieve is one of the largest at-scale, growing and profitable consumer fintechs in the U.S. We offer innovative tech-enabled solutions including the country's leading debt resolution service, home equity loans, personal debt consolidation loans, and financial education tools to the largest demographic in the U.S. - middle class Americans. HQ in San Mateo, CA (+ hubs in Arizona and Texas) with ~2,600 employees.Achieve has served 1.5MM+ members, resolved $18Bn+ of consumer debt and originated $11Bn+ of personal and home loans. Oversaw all aspects of Achieve’s finance and capital markets functions. Leading 100+ team members across strategic finance, capital markets, accounting, treasury, FP&A, comp/benefits, tax, facilities, investor relations, and procurement.Led the Company on a path that drove profitable growth (50%+ YoY growth each year over multiple years) and surpass $1Bn revenue milestone. Raised $375MM of corporate capital from leading investors and global asset managers. Served as a key exec sponsor to help drive the Company’s multi-year digital transformation program to deliver a multi-product consumer-centric platform, new tech and data innovations, and a new memorable and trusted brand. Led the corporate brand function and ~100+ cross functional team members to drive execution and delivery of our rebrand transformation initiative - to deliver new digital customer experiences, to change how customers interact with us, and to change how the world sees us. Our new brand, "Achieve" (fka Freedom Financial Network), was successfully launched in September 2022.Member of the following operating and/or steering committees:- Compensation Committee- Capital Planning Committee- Credit Risk CommitteeAchieve is minority backed by leading private equity investors Stone Point Capital, Cercano Capital, and Portage. -
Chief Investment Officer - Freedom Financial Asset Management / Freedom Credit Consumer FundAchieve 2023 - Jun 2024Freedom Financial Asset Management (FFAM), a wholly-owned Achieve company, is the investment advisor and managing member to the Freedom Credit Consumer Fund (FCCF), a ~$1Bn AUM award-winning structured consumer credit fund with institutional LPs. Through FCCF and its ACHV ABS Trust and ACHM Trust, FFAM has successfully securitized 22 ABS transactions since 2018 for ~$6Bn of unsecured consumer loans and HELOCS originated by partner banks on the Achieve Personal Loans and Achieve Home Loans platforms.Member of FFAM's Investment Policy Committee (as fiduciary for our $1Bn AUM fund)
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Strategic Advisor, FivestarsSumup 2021 - 2022London, Gb -
Chief Financial Officer, FivestarsSumup 2021 - 2021London, GbSumUp is a leading global financial technology company driven by the purpose of levelling the playing field for small businesses. Founded in 2012, SumUp is the financial partner for more than 4 million small merchants in over 35 markets worldwide, helping them start, run and grow their businesses.Valued at $8.6Bn at its most recent equity round in Dec 2023, Sumup has raised over $2.3Bn of capital (equity/debt) from leading investors including Bain Capital, BlackRock, Sixth Street, btov Partners, Centerbridge, Crestline, Fin Capital, and Sentinel Dome Partners.
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Chief Financial Officer (Acquired By Sumup)Fivestars 2019 - 2021San Francisco, California, UsFivestars, with HQ in San Francisco, is one of the largest two-sided consumer merchant networks in the U.S., with 65MM+ consumers discovering and driving $3Bn+ in sales to 14,000+ small businesses annually. Our CRM network + integrated payments solution helps local SMBs acquire new customers, drive loyalty, process payments, and increase sales. Led Company through a competitive process (multiple offers) and successful strategic exit to SumUp (closed 2021), a global payments leader, including leading all due diligence and LOI and merger agreement negotiations, driving deal strategy and process dynamics, and managing all third party partners (i.e., bankers, lawyers, auditors, lenders, etc.) and all key internal/external strategic and tactical matters and communications. Built Strategic Finance and FP&A functions (i.e., core analysis/reporting, capital raising, M&A, equity investor/debt lender relations), rebuilt Accounting and FinOps functions (i.e., technical accounting, revenue recognition, AR/AP, tax, treasury, payroll, benefits, day-to-day accounting operations) and implemented + integrated new finance tech stack. Also oversaw all other corporate G&A functions, incl. Supply Chain, Public Relations, Procurement, IT and Facilities Management, and Corporate Legal. Fivestars raised over $115MM from notable VC investors including Lightspeed Venture Partners, DCM Ventures, Menlo Ventures, HarbourVest, and Salt Partners. -
Chief Financial OfficerJyve Corporation 2018 - 2019San Francisco, California, UsJyve, with HQ in San Francisco, is a tech-enabled labor marketplace and software solution that helps large brands and retailers source, hire, and manage a scalable temp in-store labor force. Clients include national brands such as Frito Lay, Pepsi, Meijer, Red Bull and Modelez. Jyve raised over $60MM from notable VC investors including SignalFire, Ridge Ventures (previously IDG Ventures), Crosscut Ventures, and New Enterprise Associates. -
Strategic Advisor To Founder And Former CeoLucid Motors 2017 - 2018Newark, California, Us -
Member, Board Of Directors And InvestorLucid Motors 2016 - 2017Newark, California, UsLucid Motors (NDAQ: LCID) is a luxury mobility company that is reimagining what a car can be. The company's mission is to inspire the adoption of sustainable transportation by creating the most captivating electric vehicles, centered around the human experience.
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Svp, Finance & Corporate DevelopmentLeeco Us 2016 - 2017San Jose, Ca, UsLeEco, with U.S. HQ in Santa Clara, CA, is a streaming video, consumer smart devices, film production and cloud computing company. Served as CFO North America and a key senior executive and business partner that helped lead the strategic build-out and growth of LeEco’s U.S. operations as it scaled from 25 pre-launch to 400+ employees, raised $140MM+ of institutional investor capital, and scaled mix of subscription and hardware revenue, including developing new key channels from DTC e-commerce to wholesale big box retail distribution at Target, Best Buy, and Walmart.LeEco (Chinese parent) has raised over $2.5Bn from strategic investors include Tencent, JD.com, Sunac China Holdings, Lenovo and TCL. -
Senior Executive Director, Investment Banking (Technology & Fintech)Morgan Stanley 2014 - 2016New York, Ny, UsServed as a senior banker and deal maker on the premier tech investment banking franchise across Asia Pacific. Also co-led the top fintech franchise in the region. Advised on numerous marquee transactions (mostly IPOs) from the region, including Alibaba Group's (NYSE: BABA) historic $25Bn IPO in 2014. Sourced, developed and managed CEO, CFO and Board relationships of large cap tech and fintech companies and strategically advised them on M&A and capital raises (IPOs and private fund raises). Technology sector expertise include: Internet, e-commerce, marketplaces, fintech (i.e., P2P lending/funding, payments, personal financial and asset management), retail tech, connected mobility/EV technologies, and SaaS. -
Executive Director, Head Of Corporate M&A/Investments And Firmwide Corporate Strategy, Asia-PacificMorgan Stanley 2012 - 2014New York, Ny, UsRelocated from New York to Hong Kong on international assignment and reported to CEO, Asia-Pacific. Built and led a new corporate M&A, investments and strategy team (for Morgan Stanley balance sheet assets and portfolio companies) that oversaw entire Asia-Pacific region and served as the senior executive responsible for successful end-to-end evaluation and execution of corporate M&A and investments, restructurings, joint-ventures and other strategic initiatives.
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Vice President, Global Corporate M&A And Firmwide Corporate StrategyMorgan Stanley 2010 - 2012New York, Ny, UsSelected to joined a small, tactical team that reported to Morgan Stanley's Operating Committee to help strategically navigate the Firm through the post-financial crisis environment and new regulations. Served as the global lead principal for evaluating and executing end-to-end global corporate M&A, investments, and strategic initiatives that aligned with the Bank's new strategic roadmap. As well as divest and restructure Morgan Stanley balance sheet assets and portfolio companies that no longer fit the operating plan.
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Vice President, Investment Banking (Fintech & Financial Institutions)Morgan Stanley 2007 - 2010New York, Ny, UsAdvised c-suite executives of large cap global companies on transformative strategic financial transactions (mostly M&A and IPOs). Financial services sector expertise in fintech (i.e., exchanges, broker-dealers, trading platforms, trading technology, data analytics), asset management, and diversified financial services.
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Associate, Investment Banking (Fintech & Financial Institutions)Citi 2005 - 2007New York, New York, Us -
Consultant, Management Consulting (Communications & High Technology)Accenture 2003 - 2004Dublin 2, Ie -
Analyst, Management Consulting (Communications & High Technology)Accenture 2001 - 2003Dublin 2, Ie
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Account/Portfolio Manager (Global Graduate Programme)Hsbc 1999 - 2001London, Gb
Ralph L. Leung Skills
Ralph L. Leung Education Details
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Cornell Johnson Graduate School Of ManagementMaster Of Business Administration (M.B.A.) -
Ubc Sauder School Of BusinessAccounting And Finance
Frequently Asked Questions about Ralph L. Leung
What company does Ralph L. Leung work for?
Ralph L. Leung works for Pagaya
What is Ralph L. Leung's role at the current company?
Ralph L. Leung's current role is Chief Operating Officer & Chief Commercial Officer @ Pagaya (NASDAQ: PGY) | 4x CFO for PE/VC companies | ex-Morgan Stanley tech, fintech, M&A investment banker | Growth tech investor | Board Member.
What is Ralph L. Leung's email address?
Ralph L. Leung's email address is ra****@****ail.com
What is Ralph L. Leung's direct phone number?
Ralph L. Leung's direct phone number is +121276*****
What schools did Ralph L. Leung attend?
Ralph L. Leung attended Cornell Johnson Graduate School Of Management, Ubc Sauder School Of Business.
What skills is Ralph L. Leung known for?
Ralph L. Leung has skills like Mergers And Acquisitions, Corporate Finance, Investment Banking, Financial Modeling, Corporate Development, Capital Markets, Investments, Strategy, Equities, Valuation, Mergers, Ipo.
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