Acerca de Nosotros

/Acerca de Nosotros
Acerca de Nosotros 2017-08-17T21:14:09+00:00

Antecedentes

Oportun fue fundada en el año 2005. Nuestra misión es brindar préstamos con pagos cómodos y fijos que ayudan a nuestros clientes a establecer historial de crédito y construir un mejor futuro. Desde su fundación, Oportun ha ayudado a más de un millón de clientes desembolsando más de $4,000 millones a través de más de 2 millones de préstamos. La compañía brinda un servicio de atención al cliente con personal bilingüe y opera en más de 245 localidades en Arizona, California, Illinois, Missouri, Nevada, Texas, y Utah (al 30 de junio del 2017).

Oportun es una compañía financiera con fines de lucro, responsable e impulsada por su misión. Como tal, Oportun brinda productos y servicios diseñados para ayudar a sus clientes. Por eso es que Oportun:

  • Determina la capacidad de pago de cada solicitante y otorga préstamos a aquellos que calcula que podrán pagar a tiempo.
  • Utiliza información alternativa, tecnología y análisis de datos avanzados, y más de diez años de conocimientos obtenidos a través de ofrecer servicio a los clientes, para calificar a personas con poca o ninguna historia de crédito, a quienes otras empresas consideran “no calificables”.
  • Ofrece préstamos personales y sin exigir garantías, que van desde $300 hasta $8,000 con tasas fijas, con pagos cómodos diseñados para ajustarse al presupuesto de los clientes, y con términos medidos en meses (6 a 35 meses)—no en semanas—para así aumentar las probabilidades de pago.
  • Ofrece préstamos con pagos cómodos comparados con los que normalmente ofrecen otras compañías alternativas a personas con poca o ninguna historia de crédito, en algunas de las áreas geográficas donde sirve Oportun. Dichas alternativas son en promedio más de cuatro veces más costosas que los préstamos de Oportun, pero pueden llegar a ser hasta siete veces más costosas, según un estudio llevado a cabo, a nombre de Oportun, por el Center for Financial Services Innovation (CFSI), una autoridad líder en el área de la salud financiera del consumidor.*
  • Provee documentación y/o servicio en español y/o inglés a través del teléfono, Internet, telefonía móvil o en persona, para atender mejor las necesidades de los clientes.
  • Ayuda a los clientes a establecer su historial de crédito al reportar sus cuentas a las agencias de crédito.
  • El modelo de negocios de Oportun está alineado con los intereses de sus clientes: Oportun tiene éxito cuando sus clientes tienen éxito al pagar sus préstamos a tiempo.

En reconocimiento al objetivo de Oportun de incrementar las oportunidades económicas de sus clientes, de promover el desarrollo comunitario, y de servir a las comunidades desatendidas o de bajos ingresos, Oportun ha sido certificada por el Departamento del Tesoro de los Estados Unidos (United States Department of Treasury) como una institución financiera para el desarrollo comunitario (CDFI), desde el 2009.

Oportun tiene sus oficinas centrales en Redwood City, CA.

*Oportun: The True Cost of a Loan – CFSI desarrolló un modelo de costo del producto que tomó en cuenta el tamaño del préstamo, el flujo de dinero mensual que los prestatarios tienen para pagar un préstamo, y las condiciones y tasas ofrecidas tanto por Oportun como por proveedores alternativos de préstamos de bajo monto que generalmente son utilizados para satisfacer necesidades de préstamo similares en algunas de las áreas geográficas que sirve Oportun (Arizona, California, Illinois, Nevada, Texas y Utah). La información fue recopilada en diciembre de 2016.

Grupo Gerencial

Una de las fortalezas clave de Oportun, conocida antes como Progreso Financiero, es la diversidad en su equipo administrativo, el cual se conforma por los mejores de las industrias de servicios financieros, ventas al por menor (retail), tecnología y en el desarrollo de su comunidad.

Raul Vazquez, Chief Executive Officer

Raul Vazquez

Raul Vazquez has served as Chief Executive
Officer and as a member of Oportun’s board of directors since
April 2012. Prior to joining Oportun, Raul served as
an Executive Vice President of Global e-Commerce at Wal-Mart
Stores Inc., a retail company, from February 2011 to August
2011. Raul also served as Executive Vice President and
President of Wal-Mart West at Wal-Mart Stores Inc. from February
2010 to February 2011. He served as Chief Executive Officer
of Walmart.com from February 2007 to February 2010. He joined
Walmart.com in 2002. He currently serves on the board of directors
of Intuit and previously served on the board of Staples, Inc.
In September 2015, Raul was named to the Federal Reserve
Board’s Community Advisory Council. Raul received a B.S.
and M.S. in Industrial Engineering from Stanford University
and an M.B.A. from the Wharton Business School at the University
of Pennsylvania.

Jonathan Coblentz, CFO and Chief Administrative Officer

Jonathan Coblentz

Jonathan Coblentz has served as Oportun’s Chief
Financial Officer since July 2009. Prior to joining Oportun,
Jonathan served as Chief Financial Officer and Treasurer
of MRU Holdings, Inc., a publicly-traded student loan finance
company, from April 2007 to February 2009. Prior to joining
MRU Holdings, Jonathan was a Vice President at Fortress
Investment Group, LLC, a global investment management company.
Prior to his time at Fortress, Jonathan spent over seven
years at Goldman, Sachs & Co. Prior to Goldman Sachs, Jonathan began his career at Credit Suisse First Boston, an
investment bank, where he worked for nearly five years. Jonathan received a B.S., summa cum laude, in Applied Mathematics
with a concentration in Economics from Yale University.

Scott Harvey, Chief Legal Officer and Corporate Secretary

Scott Harvey

Scott Harvey has served as Oportun’s Chief
Legal Officer and Corporate Secretary since August 2012. Prior
to joining Oportun, he was Co-Founder of Hercules Technology
Growth Capital, Inc., a business development and investment
company, and served as its Secretary and Chief Legal Officer
from December 2003, and also as its Chief Compliance Officer
from February 2005, to August 2012. Prior to co-founding Hercules
Technology, Scott worked in a diversified private law practice
and held several leadership positions at Comdisco, Inc., a leading
technology and financial services company, from 1983 to July
2002, including as its Deputy General Counsel, Vice President
of Marketing, Administration and Alliances and Corporate Counsel.
Scott received a B.S. in Agricultural Economics from the
University of Missouri, a J.D. and L.L.M. in taxation from The
John Marshall Law School and an M.B.A. from the Illinois Institute
of Technology.

Patrick Kirscht, Chief Credit Officer

Patrick Kirscht

Patrick Kirscht has served as Oportun’s Vice
President, Risk Management and Chief Risk Officer since January
2008. Prior to joining Oportun, Patrick was Senior Vice
President of Risk Management for HSBC Card Services, Inc., the
consumer credit card segment of the larger HSBC Holdings, from
2007 to 2008. Patrick joined HSBC Card Services in 2005
as part of HSBC’s acquisition of Metris Companies Inc., a start-up
mono-line credit card company. Patrick joined Metris Companies,
a direct marketing company, in 1995, where he served as Vice
President of Planning and Analysis until he moved to Risk Management
in 2004. Patrick received a B.S. in Economics with a minor
in Statistics, a B.S. in Business and an M.B.A. from the University
of
Minnesota.

David Needham, Chief Technology Officer

David Needham

David Needham has served as Oportun’s Chief Technology Officer since March 2017, as Vice President, Technology since March 2014, and joined as our Vice President, Engineering in October 2012. Prior to joining Oportun, David was a Vice President at @WalmartLabs, Wal-Mart Store Inc.’s Silicon Valley technology innovation lab, from October 2011 to September 2012. David was also Vice President, Product Development at SamsClub.com, an online retail company, from May 2011 to October 2011, and Senior Director, Product Management for Walmart.com, an online retail company, from January 2010 to May 2011. Earlier in David’s career, he held various technical product management roles at Sycle.net, Tradami and UPS-Supply Chain Solutions, where he focused on the development of Software as a Service based business solutions. David received a B.S. in Business from the University of San Francisco.

Joan Aristei, Chief Compliance Officer, Compliance & Enterprise Risk

Joan Aristei

Joan Aristei has served as Oportun’s Chief Compliance Officer since March 2017, and Vice President, Compliance & Enterprise Risk since May 2014. Prior to joining Oportun, Joan was a Director at Citi Private Bank from October 2010 to May 2014, where she served as head of Banking and Lending Product Compliance. Joan was also previously Assistant General Counsel and Chief Compliance Officer for JP Morgan Chase & Company, in its auto finance and student lending division, where she led the establishment of a compliance framework for JP Morgan’s auto finance business after its merger with Bank One. Joan received a B.A. in Chemistry and in French Literature from the University of California, San Diego, an M.B.A. from the UCLA Anderson School of Management and a J.D. from Loyola Law School.

Matthew Jenkins, Chief Operations Officer

Matt Jenkins

Matt Jenkins joined Oportun in 2016 and serves as Chief Operations Officer. Matthew comes to Oportun from Citi, where he worked for 17 years.  During his career at Citi, Matthew held a number of leadership roles within consumer operations, most recently Managing Director and Head of Global Consumer Operations Functions.   In that role, Matthew led a team responsible for executing global strategy and achieving consistently high levels of service delivery within global operations including contact centers, collections, credit and fraud operations. During his time at Citi, Matthew helped build a workforce management and operations team that was responsible for planning and providing services to more than 100 million customers and 50,000 agents in service, collections, fraud and in the back office.  Most recently, Matthew was leading an effort to reengineer the customer interaction model to drive gains in efficiency and customer experience through automation, digitization, and optimization of the customer processes. Matthew received a B.A. in Economics, magna cum laude, from the University of Texas at Austin.

Ezra Garrett, Vice President, Government & Community
Relations

Ezra Garrett

Ezra Garrett has served as our
Vice President, Government & Community Relations since August
2015. Prior to joining Oportun, Ezra served as Vice President
of Community Relations and Chief Sustainability Officer at Pacific
Gas and Electric Company, or PG&E. Ezra experience
includes leadership roles in Government Relations and Corporate
Affairs at PG&E, where he worked for a total of 13 years,
from 2000 to 2005 and again from 2007 to August 2015, including
serving as the Executive Director of the PG&E Corporation
Foundation from December 2010 to August 2015. From 2005 to 2007,
Ezra was a Senior Community Relations Specialist at Target
Corporation. Ezra has served on the boards of directors
of Leadership San Francisco since 2010, the Latino Community
Foundation since 2013, and the Association of Corporate Contributions
Professionals since 2014. Ezra received a B.A. in Political
Science from the University of California, Berkeley with an
emphasis in International Relations.

Nicholas LeCuyer, SVP, Retail, Marketing and Product Management

Nicholas LeCuyer

Nicholas LeCuyer has served as Oportun’s Vice
President, Product Management since June 2014. Prior to joining
Oportun, Nicholas served as Vice President, Strategy and
Partnerships for The Western Union Company, a financial services
company, from January 2011 to June 2014, and as its Vice President,
Head of Corporate Strategy from August 2008 to January 2011.
Nicholas previously also served as an Associate Principal
at McKinsey & Company, Inc., a management consulting company,
and as a Captain in the U.S. Army. Nicholas received a B.S.E.
in Civil Engineering from Princeton University and an M.B.A.
from the University of Michigan Stephen M. Ross School of Business.

Sonia Clark, Chief Human Resources Officer

Sonia Clark

Sonia Clark Oportun Chief Human Resources Officer Sonia has more than 20 years of experience in human resources and leads the company’s People and Culture team. Prior to joining Oportun, Sonia led the human resources practice at Trivium Corporate Solutions. There, she advised and supported fast-growing start-ups with their strategic and operational needs. Earlier, Sonia held senior roles at Cadence Design System, Agilent Technologies, Align Technology and Juniper Networks. Sonia started her career at GE and Black & Decker. Sonia is a graduate of California State University in Northridge where she earned a BS degree in Molecular Biology and Genetics.

Board of Directors

The Honorable Aida M. Alvarez has served as a member of Oportun’s board of directors since August 2011. In addition to serving on our board of directors, Ms. Alvarez has served as member of the board of directors of Wal-Mart Stores, Inc. since 2006 and Zoosk, Inc., an online social media company, since February 2014. Ms. Alvarez is the former Administrator of the U.S. Small Business Administration and was a member of President Clinton’s Cabinet from 1997 to 2001. From 1993 to 1997, Ms. Alvarez was the founding director of the Office of Federal Housing Enterprise Oversight. Prior to 1993, she was a vice president in public finance at First Boston Corporation, an investment bank, and Bear Stearns & Co., Inc., an investment bank. She also previously served on the board of directors of PacifiCare Health Systems, Union Bank, N.A. and UnionBanCal Corporation. Ms. Alvarez received a B.A. in English literature from Harvard College, as well as honorary doctorates from Bethany College, Iona College, Mercy College and the Inter-American University of Puerto Rico. Ms. Alvarez was elected to serve on the Harvard Board of Overseers. We believe Ms. Alvarez’s extensive experience in government and public service, investment banking and finance, and her knowledge of our company enables her to make valuable contributions to our board of directors.

Carl Pascarella has served as a member of Oportun’s board of directors since March 2010. Mr. Pascarella is an Executive Advisor at TPG Capital, a leading global private equity firm, and has served in that capacity since August 2005. Mr. Pascarella joined TPG after retiring in 2005 from Visa U.S.A., Inc., a financial services company, where he served as the President and Chief Executive Officer for 12 years. Mr. Pascarella also served as President and CEO of Visa International’s Asia-Pacific Region and Director of the Asia-Pacific Regional Board. Prior to joining Visa International, Mr. Pascarella held positions as Vice President of the International Division of Crocker National Bank and Vice President, Metropolitan Banking, at Bankers Trust Company. Mr. Pascarella received a M.S. in Management from the Stanford Sloan Program at the Graduate School of Business at Stanford University. We believe Mr. Pascarella’s leadership background as well as his extensive management experience in our industry enable him to make valuable contributions to our company and our board of directors.

David Strohm has served as a member of our board of directors since February 2007. Mr. Strohm has been affiliated with Greylock Partners, a venture capital firm, since 1980, where he has served as a Partner since January 2001, and previously served as a General Partner from 1983 to 2001. Mr. Strohm currently serves as a director of several private companies. Mr. Strohm was previously also a director of DoubleClick, Inc. from 1997 to 2005, Internet Security Systems, Inc. from 1996 to 2006, SuccessFactors, Inc. from 2001 to 2010, EMC Corporation from 2003 to October 2015 and VMware, Inc. from 2007 to October 2015. Mr. Strohm received a B.A. from Dartmouth College and an M.B.A. from Harvard Business School. We believe that Mr. Strohm’s extensive experience as an investment professional in our industry and as a director of various companies, many of which are publicly traded, enables him to make valuable contributions to our company and our board of directors.

Jules Maltz has served as a member of Oportun’s board of directors since August 2013. Mr. Maltz is a General Partner at Institutional Venture Partners, or IVP, where he has worked since August 2008. At IVP, Mr. Maltz focuses on later-stage venture investments in rapidly growing internet and software companies. Mr. Maltz currently serves on the board of directors of Indiegogo, NerdWallet, RetailMeNot, TuneIn, and Yext. Mr. Maltz received a B.A., magna cum laude, in Economics from
Yale University and an M.B.A. from Stanford University. We believe Mr. Maltz’s experience as an investor and board member in rapidly growing internet and software companies enables him to make valuable contributions to our board of directors.

Louis P. Miramontes has served as a member of Oportun’s board of directors since October 2014. Mr. Miramontes is a CPA and financial executive. He was a senior partner at KPMG LLP, a public accounting firm, from 1986 to September 2014, where he served in leadership functions, including Managing Partner of the KPMG San Francisco office and Senior Partner KPMG’s Latin American Region. Mr. Miramontes was also an audit partner directly involved with providing audit services to public and private companies, which included working with client boards of directors and audit committees regarding financial reporting, auditing matters, SEC compliance and Sarbanes-Oxley regulations. Mr. Miramontes received a B.S. in Business Administration from California State University, East Bay, and he is a Certified Public Accountant in the State of California. We believe Mr. Miramontes is qualified to serve on our board of directors due to his professional experience and deep audit and financial reporting expertise.

Jo Ann Barefoot joined the Oportun Board of Directors in October 2016. Ms. Barefoot is a Senior Fellow at the John F. Kennedy School of Government’s Mossovar-Rahmani Center for Business & Government at Harvard University, and the CEO of Barefoot Innovation Group. In this role, she regularly writes, speaks, and advises on the intersection of financial technology and regulation to facilitate new solutions for consumers. Ms. Barefoot also serves as a consultant to a number of consumer finance companies, and invests and advises fintech startups. She served for three years on the Consumer Advisory Board of the Consumer Financial Protection Bureau (CFPB), and currently sits on the boards of the Center for Financial Services Innovation (CFSI) and the National Foundation for Credit Counseling (NFCC). She also hosts the podcast show Barefoot Innovation and is co-founder of the RegTech firm, Hummingbird Fintech. Earlier, Ms. Barefoot was the first female Deputy Comptroller of the Currency and led the creation of that agency’s original consumer protection unit. She has also served on the staff of the U.S. Senate Committee on Banking, Housing and Urban Affairs; as Co-Chair of the consulting firm Treliant Risk Advisors, as a Partner and Managing Director at KPMG Consulting; and as Director of Mortgage Finance for the National Association of Realtors.

Raul Vazquez has served as Chief Executive Officer and as a member of Oportun’s board of directors since April 2012. Prior to joining Oportun, Mr. Vazquez served as an Executive Vice President of Global e-Commerce at Wal-Mart Stores Inc., a retail company, from February 2011 to August 2011. Mr. Vazquez also served as Executive Vice President and President of Wal-Mart West at Wal-Mart Stores Inc. from February 2010 to February 2011. He served as Chief Executive Officer of Walmart.com from February 2007 to February 2010. He joined Walmart.com in 2002. Mr. Vazquez has served as member of the board of directors of Staples, Inc. since 2013. Mr. Vazquez received a B.S. and M.S. in Industrial Engineering from Stanford University and an M.B.A. from the Wharton Business School at the University of Pennsylvania.

Inversionistas

Oportun ha recaudado más de US$ 265.000.000 de fondos de capital de riesgo, inversionistas ángeles, y sus empleados. Este capital le ha permitido a Oportun construir su negocio, continuar su misión y servir a sus clientes. Nuestros principales inversionistas son:

The Catalyst Fund of CFSI

El Centro de Innovación en Servicios Financieros (CFSI) desarrolla y distribuye investigación y estrategias probadas en el mundo real proporciona financiamiento a empresas prometedoras, y facilita la colaboración empresarial intersectorial. CFSI trabaja con bancos, cooperativas de crédito, proveedores de tecnología, proveedores de servicios alternativos, defensores de consumidores y legisladores para forjar relaciones pioneras, productos y estrategias que va a transformar la práctica de la industria y la vida de los consumidores de servicios bancarios en todo el espectro económico, geográfico y cultural.

Charles River Ventures

Fundada en 1970, Charles River Ventures es una de las firmas de capital de riesgo de etapa inicial más antiguas y exitosas en el país, con aproximadamente 2,1 mil millones dólares bajo gestión. CRV se dedica a ayudar a los empresarios excepcionales a convertir sus ideas en compañías líderes en sus categorías en los sectores de alto crecimiento en tecnología y los medios de comunicación. En los últimos 10 años, los fondos CRV han clasificado entre los principales actores de la industria. CRV tiene oficinas en Boston, MA y Menlo Park, CA. Para obtener más información, visite www.crv.com.

Core Innovation Capital

Core Capital Innovación es el único fondo de capital de riesgo que invierte exclusivamente en compañías de tecnología financiera que se enfocan en la clase media emergente en los Estados Unidos. Su segmento objetivo son más de 70 millones de consumidores, que generan más de $ 1 billón de dólares en ingresos anuales y gastan más de 78 mil millones dólares anuales en cargos e intereses por los servicios financieros. El fondo se une a empresarios exitosos que buscan rendimientos superiores al precio del mercado y comparten su visión para mejorar las vidas de los estadounidenses de bajos o moderados ingresos. Para obtener más información acerca de Core Capital Innovación, visite www.corevc.com.

DAG Ventures

DAG Ventures, lleva a cabo rondas de financiación para compañías prometedoras en fase media y en crecimiento. Aparte de nuestro modelo de inversión altamente concentrado, creemos en la diferenciación a través del servicio. Nuestra firma ofrece un servicio consistente, rápido y de calidad a nuestros clientes mas importantes: nuestros LPss, compañías del portafolio y algunas inversiones de capital inicial de riesgo. DAG Ventures, fue escindida en 2004 de Duff Ackerman y Goodrich, una firma de inversión de capital privado enfocada en las inversiones en las industrias de las comunicaciones y los medios. Hoy en día, con el apoyo de un conjunto diverso y global de LPs, DAG Ventures, administra $ 1.8 mil millones a través de una cartera de más de 160 empresas en una amplia gama de sectores tecnológicos.

Glynn Capital Management

Glynn Capital Management es una firma de inversión enfocada en empresas de tecnología públicas y privadas en crecimiento.

Greylock Partners

Fundada en 1965, Greylock Partners es una de las firmas de capital de riesgo más importantes del mundo. Durante los últimos 43 años, Greylock ha financiado y ayudado a construir varios cientos de compañías exitosas. El enfoque de Greylock pone de forma exclusiva al empresario primero, con Greylock como un “invitado” de gran apoyo para ayudar a los empresarios a construir empresas líderes en el mercado. Greylock ha financiados Ascend Communications, CheckFree, Cable Continental, Data Domain, Decru, DoubleClick, Internet Security Systems, Ikanos, Legato, Millennium Pharmaceuticals, Openwave, Red Hat, RightNow Technologies, Tellabs, Trilogía y Wily Technology, entre otras. Las oficinas de Greylock se encuentran en Silicon Valley, el área de Boston y de Israel. Para obtener más información, por favor visite www.greylock.com.

Institutional Venture Partners

Con $4,000 millones de capital comprometido, Institucional Venture Partners (IVP) es una de las principales inversionistas de riesgo en fases posteriores y de capital de crecimiento en los Estados Unidos. Fundada en 1980, IVP ha invertido en más de 300 empresas, 98 de las cuales han salido a bolsa. IVP es una de las empresas de mejor desempeño en la industria y tiene una TIR de 33 años del 43,2%. IVP se especializa en inversiones de riesgo de crecimiento, los paquetes acumulativos de la industria, las operaciones de liquidación del fundador y algunas inversiones en el mercado público. Desde su creación, las inversiones IVP incluyen estas empresas tan notables como AppDynamics, ArcSight (HPQ), Buddy Media (CRM), ComScore (SCOR), Concur Technologies (CNQR), Dropbox, Fleetmatics (FLTX), renta (LEJOS), Juniper Networks ( JNPR), Kayak (PCLN), LegalZoom, LifeLock (LOCK), Marketo (MKTO), MySQL (ORCL), Netflix (NFLX), ngmoco (Dena), Polycom (Polycom), almacenamiento puro, RetailMeNot (SALE), Seagate ( STX), Shazam, Snapchat, Supercell, Synchronoss (SNCR), Tivo (TIVO), Twitter (TWTR) y Zynga (ZNGA). Para obtener más información, visite http://ivp.com o seguir IVP en Twitter: @ivp.

Madrone Capital Partners

¿Qué significa ser un CDFI?

Oportun, conocida antes como Progreso Financiero, es una Instiución Financiera que apoya a su comunidad

Oportun, formerly Progreso, was certified by the U.S. Treasury Department in 2009 as a Community Development Financial Institution (CDFI).

  • Instituciones Financieras de Desarrollo Comunitario – o CDFI – son instituciones financieras impulsadas por la misión de prestar servicios financieros para satisfacer las necesidades de las personas en desventaja económica en las comunidades marginadas.
  • CDFIs invierten en las comunidades locales y los residentes que viven allí mediante el financiamiento de necesidades críticas que a menudo no está disponible a través de las instituciones financieras tradicionales.
  • Las CDFI están certificadas por el Fondo de Desarrollo Comunitario del Departamento del Tesoro de EE.UU. -conocido como el Fondo CDFI. Con el fin de convertirse en una CDFI certificada, la institución financiera debe: tener una misión principal de promover el desarrollo comunitario; ofrecer productos y servicios financieros; servir a uno o más mercados de bajos ingresos; ser transparente en su operar con la comunidad a la que sirve; y ser una entidad no gubernamental.
  • Todas las CDFIs comparten una misión común de servir a las comunidades de bajos ingresos. CDFI son comúnmente los fondos de préstamo, cooperativas de crédito, bancos comunitarios o fondos de capital riesgo.
  • Las CDFIs certificadas son parte de una red nacional de promoción del crecimiento económico en las comunidades marginadas de Estados Unidos mediante la financiación de empresas, la creación de puestos de trabajo, y la reconstrucción de los barrios.
  • Como CDFI, Oportun pone la comunidad primero y valora el crecimiento económico local.