Small Business Management Team

Luz Urrutia, Chief Operating Officer

Luz has spent her career in banking and financial services, particularly in underserved markets, and has won numerous awards for her leadership. She began her career at Wachovia, where she spent 18 years in various leadership positions and led the bank’s expansion into Mexico and Canada. She was a founding investor and President and Chief Operating Officer of El Banco de Nuestra Comunidad, a financial institution based in Georgia serving the underbanked Latino population with financial services and banking products, from 2001 to 2013.

As Vice President of Retail Sales and Services at Oportun from 2013-2016, Luz expanded the number of retail stores from 75 to 195 across five states, providing affordable loans to people with no credit history. In 2016, Luz joined Dollar Financial Group as CEO for the Americas to help transform the organization into a responsible lender for underserved communities. 

Luz has served on the Board of the Center for Financial Services Innovation and the Consumer Advisory Council of the Federal Reserve Bank. In 2006, Luz was awarded “Community Banker of the Year” by American Banker; in 2009, she was recognized as the “Latina Business Woman of the Year” by Latina Style; and, in 2015 was named a “Woman of Influence” by Silicon Valley Business Journal. Ms. Urrutia is originally from Caracas, Venezuela. She received a B.S., magna cum laude, in Business Administration and Finance and an M.B.A., both from Georgia State University.  She lives with her husband and two daughters in San Jose, California.

Marco Lucioni, Executive Vice President of Small Business Program

Marco has more than 20 years of direct management experience in small- and medium- size businesses.  He has experience in many industries, including consumer finance, consumer goods, manufacturing, and financial services.

From 2016 through 2012, Marco founded and served as CEO of Financiera Confianza, a for-profit microlender serving Los Angeles, Orange, and San Bernardino Counties. He oversaw delivering 2,500 microfinance loans worth over $12M. In 2012, Confianza became part of Opportunity Fund.

Marco’s experience as President of South Cone Trading, Inc. in Los Angeles with operations in the US, Peru and Argentina from 2001 to 2005 and as Managing Director for Marrrick & Co from 1997 to 2000 also based in Peru rounded out his international experience.  In addition, as CEO of retail consumer appliances, electronics and consumer finance businesses for Carsa Group in Peru represented $500 million in revenues with over 100 retail store locations.

He began his career at McKinsey & Co in Spain and the Iberia Peninsula.  He holds a BS from Wake Forest University and an MBA from Columbia University.  He resides in Los Angeles and has two sons away at college.

Alex Dang, Director of Product and Partnerships

Alex joined Opportunity Fund in 2010 to lead product and strategic partnerships through cross-sector collaboration to reach and deliver responsible capital to underbanked small businesses efficiently at scale. Most notably, he helped build the first CDFI-Fintech partnership with Lending Club, and recently introduced credit card revenue-based repayment to the CDFI industry.

Alex has spent almost a decade growing and modernizing CDFI microlenders. In 2009, he helped ACCION grow its West Coast lending program.

Alex serves as an advisor for CNote, a Y Combinator backed platform that connects social impact investors and Main Street small businesses. He also serves on the board of Global Brigades, the largest student-led cross-sector development NGO working in Central America.  He lives in San Francisco when he’s not dreaming about fishing.

Devin McAlpine, Director of MicroLending, Northern California

Devin has dedicated his career to supporting the underserved and Hispanic communities.  He started as an English as a Second Language teacher for five years, before moving into corporate finance at a variety of technology companies during which time he continued to volunteer teaching American Citizenship classes.  For the last 13 years, he has worked at Opportunity Fund as Business Advisor and Director of Micro Lending.

As Director of MicroLending at Opportunity Fund since 2010, Devin has expanded from from serving clients in Santa Clara County to the entire state of California.  He is currently heading the expansion for mobile food unit lending to 12 other states.

Devin currently serves as board treasurer of the California Association of Micro Enterprise Opportunity.  He has served on the Supervisory Committee of Alliance Credit Union for 21 years.  Originally from Silicon Valley, Devin lived in Spain for five years, and is an avid swimmer.  He lives in Santa Clara with his partner and son.

Daniel Fernandez, Director of MicroLending, Southern California

Daniel’s career in microlending began with his enthusiasm for economic development while he was a commercial finance portfolio manager in the San Francisco Bay Area. Tasked with helping business owners find ways to grow their business, finding alternative resources and access to responsible capital for his clients became increasingly essential.

After joining several community development organizations he was introduced to the lending efforts of Opportunity Fund, and as a result, was part of a pilot program to help declined bank applications receive a second look to obtain needed capital. The success of the collaboration ultimately led to the opportunity to help launch Opportunity Fund’s expansion to into Southern California, and most recently into the Central Valley and Northern California.

In addition to the ongoing advancement into regions throughout the state, Daniel along with his Northern California counterpart Devin McAlpine developed the “Express” loan product aimed to provide faster and more cost effective financing to borrowers who have fallen victim to predatory lenders. He lives in Los Angeles when he’s not traveling to San Jose to see his family.

Robert Zapada, Community Development Officer

Robert Zapata began his career in community development began as a Community Economic Development Specialist in the Peace Corps in rural Peru.  Creating and managing four community banks and microfinance lending programs led him to Opportunity Fund where he joined as a loan consultant in 2015.

Now as the Community Development Officer, Robert continues to help small business owners gain access to responsible, affordable and transparent capital. He has developed partnerships with technical assistance nonprofits throughout California , expanding Opportunity Fund’s Community Partner Program. A UCLA graduate in International Development studies, he resides in Redondo Beach and enjoys anything that has to do with living near the beach.

Opportunity Fund. Working Capital for Working People.