About
Sean solves problems. He also loves fintech — especially business lending and personal finance.
It’s weird. He knows.
Sean developed a deep and unique understanding of household and small business finance, credit risk, consumer spending patterns, and borrower relationships over two decades in banking and finance.
Currently serving as Chief Credit Officer of GoodBread, his past includes roles with Bank of America, Citizens Bank, Key Bank, First Niagara Bank, HSBC, Chase, and BNY Mellon, with experience across consumer and business lending, credit analysis, portfolio management, sales strategy, and vendor selection.
He believes he may have personally analyzed more combined credit reports, transaction histories, and borrower conversations than anyone in America. Nay, the world!
It’s hard to quantify.
Sean originally founded CircumFi to help small business owners access low-cost financing through a process that generated competition among lenders. CircumFi is now focused on niche fintech business lending solutions.
Sean has also been a Founding Member of the Hudson Valley Venture Hub, a former Westchester Angel, and Managing Member of Up Level Housing LLC, a real estate investment company.
He lives with his wife, four kids, and two cats in the Hudson Valley. Probably a dog, too, by the time you read this.