Podcast 320: Renaud Laplanche Of Upgrade -

: Upgrade has been profitable since 2017 by focusing on product design and loan servicing rather than holding loans on its own balance sheet.

: How Upgrade designed its credit card to reward paying down debt rather than just spending. Podcast 320: Renaud Laplanche of Upgrade

: Laplanche reflects on his journey from founding LendingClub to applying those experiences at Upgrade. : Upgrade has been profitable since 2017 by

: The platform emphasizes fixed-rate products and incentives that encourage long-term financial health over revolving debt. : The platform emphasizes fixed-rate products and incentives

: A look into why Upgrade offers a unique blend of mobile banking, credit monitoring, and installment-based credit cards.

: Laplanche often draws parallels between his world-record speed sailing and his approach to leading a fintech unicorn. Where to Listen You can find the full episode on major podcast platforms: Apple Podcasts Spotify