SALT LAKE CITY--()--Snap Finance LLC, a leading provider of innovative and flexible pay-over-time financing solutions, announces the appointment of three new executive leaders: James Giuliani as Chief Financial Officer, TJ Fenton as Chief Credit Officer, and Phillip Holt as Senior Vice President of Government Affairs.

James Giuliani brings nearly two decades of experience in diversified financial services, with significant time spent in the fintech space. Giuliani began his professional career at Ernst & Young and has since held senior leadership roles at GreenSky, SoFi, and Future Family. A CFA® Charterholder and CPA, he holds a BBA from Emory University and an MBA from the University of Chicago Booth School of Business, where he was a Wallman Scholar.

TJ Fenton brings 28 years of lending and risk management experience to Snap. Previously, he served as President of Conn’s HomePlus Credit division, where he managed multiple functions including underwriting, collections, loan operations, and marketing analytics. Prior to Conn’s, he worked at OneMain Financial leading various teams, including OneMain’s Credit and Marketing Acquisition teams. Fenton has a BS in Statistics from Brigham Young University.

Phillip Holt brings over two decades of expertise in consumer lending and government affairs. Throughout his career, he has been a driving force in shaping legislation and has held leadership positions in both national and state trade organizations focused on advancing the consumer lending sector. He is also widely respected for his tenure as Chairman of the Finance Commission of Texas. Holt holds a BBA from the University of Texas.

“James, TJ, and Phillip bring exceptional leadership to Snap at a pivotal time for our company,” said Snap Finance CEO, Ted Saunders. “James’s deep knowledge of financial strategy and proven ability to drive growth in the fintech sector, along with TJ’s strong background in credit risk management and operational excellence, will be instrumental in our continued success. Phillip’s leadership in government affairs further strengthens our team, ensuring we remain at the forefront of innovation and advocacy. Together, their insights and guidance will help advance our mission to provide accessible financing solutions for underserved consumers.”

The appointments of Giuliani, Fenton, and Holt come as Snap Finance enters a new phase of expansion, continuing to deliver meaningful financial solutions to those who need them most.

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About Snap Finance

Snap Finance harnesses the power of data to empower consumers of all credit types to get what they need. Launched in 2012, Snap’s technology utilizes more than a decade of data, machine learning, and non-traditional risk variables to create a proprietary platform that looks at each customer through a more holistic lens. Snap’s lease-to-own and credit solutions are changing the face and pace of consumer retail finance. For more information, visit snapfinance.com.