Executive Intelligence

Carlos Garcia

CEO

CEO of Upstart

Company Intelligence Official Website
In this profile

Quick Facts

  • Role CEO
  • Company Upstart
  • Country United States
  • Industry AI in Finance
  • Founded 2012
  • Known For Upstart is one of the few publicly traded companies built around AI-driven credit decisioning, which means…
  • Last Reviewed Jul 2026

Executive Summary

Carlos Garcia is listed in public materials as CEO of Upstart. This Brel Digital profile records the verified public leadership association using official company sources. Biographical details that are not evidenced on the cited official pages are omitted.

Career Timeline

Verified company milestones linked to this executive’s organization.

  1. 2012 Company founded

    Upstart was founded in 2012 per the company profile source on file.

    Source
  2. 2012 Product

    April 2012: Upstart launches with an income share agreement product rather than a traditional loan.

    Source
  3. 2014 Development

    May 2014: Pivots away from income share agreements toward a conventional personal loan marketplace model.

    Source
  4. 2020 Development

    December 2020: Completes its initial public offering on the Nasdaq Global Select Market under the ticker UPST, pricing shares at $20.

    Source
  5. 2021 Acquisition

    2021: Acquires Prodigy Software to expand into auto-retail lending technology.

    Source
  6. 2026 Leadership

    February 2026: Announces a leadership transition in which co-founder Paul Gu becomes CEO effective May 1, 2026, with co-founder Dave Girouard moving to Executive Chairman.

    Source

Connected Company

Connected Products

Financial AI product

Upstart marketplace

An AI lending marketplace and bank partnership platform that originates personal, auto, and home-equity loans on…

View Product

Industry Intelligence

AI in Finance Open industry

Overview

Carlos Garcia is listed in public materials as CEO of Upstart. This Brel Digital profile records the verified public leadership association using official company sources. Biographical details that are not evidenced on the cited official pages are omitted.

Role

Carlos Garcia holds the publicly documented role of CEO at Upstart. Readers should confirm current titles on the company’s official leadership or about pages, as executive roles change over time.

Sources

Primary sourcing for this profile:

Last Reviewed

This profile was last reviewed on July 14, 2026.

Correction Request

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Sources and references

This article draws on publicly available company information, official websites, filings, interviews, announcements, and other cited sources. Information may change over time.

Request a correction if you represent this company or believe information is inaccurate.

Dave Girouard

Co-Founder & Executive Chairman

Upstart

  • Country United States
  • Industry AI in Finance

Co-founder of Upstart and its CEO from 2012 to 2026, now serving as Executive Chairman after handing the…

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