Yendo Appoints Former Nubank and OnePay Leaders as Chief Product Officer and Chief Marketing Officer

Yendo, the financial technology company redefining credit access for nonprime consumers, announced the appointments of Kevin Bird as Chief Product Officer and Nizar Rana as Chief Marketing Officer. The dual hires come at a pivotal moment for the company, which recently completed its innovative credit card suite with the launch of its new unsecured card, and is now setting its sights on furthering its use of AI to deliver financial services to main street Americans that were previously out of reach. As inflation and rising debt levels continue to squeeze household budgets, Yendo is doubling down on its commitment to making affordable, intelligent credit more accessible to the people who need it most.

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Bird and Rana bring decades of experience scaling consumer fintech products to tens of millions of customers. Their combined expertise, including Bird’s hands-on experience building AI applications, positions Yendo to expand its platform and accelerate its use of AI to streamline lending decisions, reduce the cost to serve, and pass those savings directly back to customers in the form of fairer rates and faster access to credit.

“Main street consumers have never had a real menu of options when it comes to borrowing – they either accept high cost, low borrowing power, or go without,” said Jordan Miller, CEO and co-founder of Yendo. “Kevin and Nizar have spent their careers building financial products that actually work for people the system has overlooked. As we complete our card suite and look toward the next phase of growth, their leadership will be essential to putting these products in front of every American who deserves a better option.”

Kevin Bird joins Yendo as Chief Product Officer from Elicit, an AI-powered research platform where he led the product from pre-revenue to serving marquee customers including Johnson & Johnson, Unilever, Google, and others. Prior to Elicit, Bird spent eight years at Nubank, the world’s largest neobank, as its first product manager, helping grow the company from 45,000 customers to more than 60 million and scaling the product organization to over 300 product managers.

“AI is a genuine unlock for what we’re building at Yendo,” said Kevin Bird, Chief Product Officer of Yendo. “Legacy lenders rely on outdated infrastructure and bloated cost structures that make serving nonprime consumers feel like a risk they can’t afford to take. By using AI to streamline lending decisions and drive down our cost to serve, we can offer this demographic something they’ve rarely been given – competitive rates, fast approvals, and a product that actually works in their favor. That’s what gets me excited about joining Yendo.”

Nizar Rana joins as Chief Marketing Officer from OnePay, one of the largest consumer fintechs in the country, where he led growth and helped scale banking services to millions of customers. Prior to OnePay, Rana managed a $150 million acquisition budget at LendingClub and held marketing leadership roles at Metromile and Wells Fargo, beginning his career as a business analyst at Capital One.

“This product genuinely doesn’t exist anywhere else – no one else is offering nonprime consumers a real choice between secured, asset-backed, and unsecured credit, all with fair pricing and no predatory fees,” said Nizar Rana, Chief Marketing Officer at Yendo. “My job is to make sure the tens of millions of Americans who need these products know they exist. Yendo is doing this the right way, and I’m proud to help tell that story.”

These appointments come as Yendo deepens its leadership bench to support its next phase of growth. With Bird leading product and Rana driving marketing, the company is positioned to expand its platform and deliver on its vision of becoming the most trusted financial partner for nonprime Americans.

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