About Us
The credit ecosystem is evolving. Bloom Credit is building the infrastructure behind the next generation of credit access.
Credit data is fragmented and deeply complex. Most organizations lack the resources to navigate bureau integrations, data formatting, and compliance. Even well-equipped organizations often lack access to critical signals of financial health.
Traditional credit data doesn’t tell the whole story. It’s simply not inclusive enough. It often overlooks key behaviors that reflect real ability to repay and presents a skewed picture of creditworthiness.
We’re changing that.
Bloom is rewiring how companies access, use, and furnish credit data, all the way back to the coding and first principles level.”
Bloom Credit provides the credit data infrastructure and strategic relationships that make it easy to access and furnish inclusive, accurate credit data without the red tape and compliance headaches. That’s the starting point.
The real transformation lies in how we power consumer permissioned data.
We enable FIs to report recurring payment data in checking accounts, like rent, utilities, and Telco payments. In turn, account holders build credit history from everyday payments, and Financial Service companies of all kinds improve stickiness, engagement, and access to new markets. It’s how financial institutions stay competitive and relevant in a rapidly changing market.
We believe consumer permissioned data is at the center of the credit ecosystem. We’re here to help you unlock it. To underwrite smarter. To personalize financial products and detect risk earlier. To grow while giving credit where credit is due.
Ultimately, we believe access to credit—and the infrastructure that powers it—shouldn’t be locked behind legacy systems or multi-year integrations. Bloom Credit helps you move faster and serve members and customers better. Most importantly, we’re bringing more transparency to the credit ecosystem.
We’re proud to be the engine behind smarter credit experiences—and better credit outcomes—for everyone.
Our Leadership
Christian Widhalm
CEO
Read moreBloom CreditChristian Widhalm
CEO
Christian is the CEO of Bloom Credit and has spent over 15 years working within venture-backed fintech providing innovative solutions to consumers and businesses in highly regulated industries. Prior to Bloom Credit, he was most recently at LendKey Technologies, where he served as Chief Revenue Officer and was responsible for the company’s relationships with over 300 banks and credit unions.
Mike Esler
CTO
Read moreBloom CreditMike Esler
CTO
Mike is Bloom Credit’s CTO. He has over twenty years experience leading software engineering, enterprise architecture, and technology operations functions, primarily in the financial services and fintech industries. Prior to Bloom, Mike served as Amount’s CIO where he was responsible for technology operations and partner engineering.
Matt Keleshian
COO
Read moreBloom CreditMatt Keleshian
COO
Matt is the COO of Bloom Credit and has over 15-years of experience building, scaling and managing global operations teams, primarily in the buy now pay later and private label credit card spaces. Prior to Bloom, Matt served as the Senior Director of Operations Strategy & Enablement at Bread Financial where his role encompassed the contact center technology, workforce management, operational strategy and analytics, and operational readiness for large business transformation initiatives.
Christa Degnan
CPO
Read moreBloom CreditChrista Degnan
CPO
Christa is Bloom Credit’s Chief Product Officer and brings extensive product management experience from the credit data industry. Prior to Bloom, she served as Vice President of Strategy, Partnerships, and Business Development for Consumer Information Services at Experian, where she was responsible for business partnerships and assessing merger and acquisition targets. She previously held senior product roles at Vertafore and Liberty Mutual.
Ian Bazzoli
VP of People
Read moreBloom CreditIan Bazzoli
VP of People
Ian is Bloom Credit‘s VP of People, bringing over 18 years of experience in talent management, organizational development, and recruiting. Before joining Bloom, he served as Chief Operating Officer at Integrate, a neuroinclusion-at-work firm, where he led growth, operations, and client service delivery. Prior to that, he was Head of Talent at LendKey, where he built the talent function from scratch and drove recruiting, culture, and talent development strategy for the company’s growing team. Ian holds a Master’s degree in Industrial-Organizational Psychology from New York University.
Partnerships
Pete Halenar
VP, Alliance Partnerships
Read moreBloom CreditPete Halenar
VP, Alliance Partnerships
Pete is Bloom Credit‘s VP of Alliance Partnerships and brings over 25 years of experience in strategic alliances and business development within financial services. Prior to Bloom, he served as Vice President of Strategic Partnerships at MX, where he led channel and alliance programs for over a decade. He previously served as Vice President of Business Development, Partnerships and Strategic Alliances at PSCU, and held senior business development roles at Prudential Financial and Open Solutions Inc. Pete holds a Bachelor’s degree in Professional Studies, Business Management and Administration from the State University of New York.
Tushar Mukhija
Head of Strategy & Partnerships, CUFS
Read moreBloom CreditTushar Mukhija
Head of Strategy & Partnerships, CUFS
Tushar is Bloom Credit‘s Head of Strategy & Partnerships for Credit Union Financial Services and brings deep experience serving the nation’s largest credit unions with fintech business partnerships. Prior to Bloom, he served as Chief Growth Officer at Members Development Company (MDC), where he drove business growth, strategy, and strategic partnerships supporting creative innovation for the Credit Union industry.
Mike Bunkers
Head of Partnerships
Read moreBloom CreditMike Bunkers
Head of Partnerships
Mike leads the partnership and business development functions of Bloom Credit. He has spent over 15 years in the data and identity solutions provider space, working with top fintechs, banks, and international eCommerce companies. Prior to Bloom, Mike served as the Director of Sales and Operations for 41st Parameter, (acquired by Experian), InAuth (acquired by American Express), and CyCognito.
Ryan Swift
Senior Sales Executive, Financial Institutions
Read moreBloom CreditRyan Swift
Senior Sales Executive, Financial Institutions
Ryan is Bloom Credit’s Senior Sales Executive for Financial Institutions and brings over 13 years of experience in fintech sales and strategic partnerships. Prior to Bloom, he spent over 13 years at Everfi, where he served as Vice President of Strategic Partnerships and Vice President of Financial Education. At Everfi, he closed over 100 deals and was responsible for launching the business in 16 states.
The Bloom Credit Team
Engineering
The team building and scaling Bloom’s core infrastructure — from bureau integrations to the APIs that power credit data access for our clients.
25 members
Aaron
Senior Software Engineer
Bloom CreditAdam
Senior Software Engineer
Bloom CreditAkanksha
Senior Software Engineer
Bloom CreditArlen
Senior Software Engineer
Bloom CreditBailey
Senior Software Engineer
Bloom CreditBobby
Senior SRE
Bloom CreditBrad
SRE
Bloom CreditDio
Software Engineer
Bloom CreditDmitriy
Manager, Platform Engineering
Bloom CreditDustin
Manager, Software Engineering
Bloom CreditEyobe
Senior Software Engineer
Bloom CreditGraham
Software Engineer
Bloom CreditJia
Senior Platform Engineer
Bloom CreditJosh
Software Engineer
Bloom CreditMatt
Senior Software Engineer
Bloom CreditMichelle
Software Engineer
Bloom CreditMike
Senior Software Engineer
Bloom CreditMy
Software Engineer
Bloom CreditNura
Senior SDET
Bloom CreditSam
Senior Production Support Engineer
Bloom CreditSamantha
Senior Software Engineer
Bloom CreditScott
Senior Manager, IT
Bloom CreditSteven
Software Engineer
Bloom CreditTay
Senior SDET
Bloom CreditTim
Senior Software Engineer
Bloom CreditProduct
The team deciding what Bloom builds next — across the full credit data stack, not just one product line — turning what the market needs into what we ship.
4 members
Christina
Senior Product Manager, Furnishment / Consumer Core
Bloom CreditJanine
Senior Product Manager, Data Access
Bloom CreditJonathan
Senior Product Manager, Consumer Permission Data / Bloom+
Bloom CreditSusan
Senior Product Manager, Partnerships
Bloom CreditOperations
The team that keeps Bloom compliant and running — from client implementations to disputes and regulatory risk — so what we promise clients actually holds up.
8 members
Ashley
Senior Analyst, Operations Enablement
Bloom CreditBen
Consumer Credit Support Specialist
Bloom CreditCarly
Director, Operational Risk & Compliance
Bloom CreditKatelyn
Consumer Credit Support Specialist
Bloom CreditMaria
Consumer Credit Support Specialist
Bloom CreditPreston
Senior Consumer Credit Support Specialist
Bloom CreditRyan
Senior Account Manager
Bloom CreditTeagan
Manager, Finance
Bloom Credit
