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Founder / Operator·Specialty Finance

Bobby Tzekin

CEO & Co-founder at Wisetack

San Francisco, CA, USA

BT
LinkedIn
Why they matter

Founder-CEO of a fast-scaling embedded BNPL platform (10,010% 3-yr growth) building a multi-bank lending network across home services, dental, and auto repair.

Background

Bobby Tzekin is CEO and co-founder of Wisetack, a San Francisco-based embedded consumer financing (buy-now-pay-later) platform he founded in 2018 with Kolya Klymenko and Liz O'Donnell to make it easy for home-services, dental, and auto-repair businesses to offer pay-over-time financing. He brings over two decades of fintech product experience, including seven years at PayPal, four years leading Product Management at LendingClub, and roles at Mosaic and YapStone, after starting his career at Bain & Company. He holds an MBA from UC Berkeley.

Notable deals

  • 2018
    Co-founded Wisetack to embed pay-over-time consumer financing into home-services and other in-person business software
  • 2021
    Raised $45M Series B led by Insight Partners to accelerate embedded BNPL for in-person services
  • 2024
    Wisetack ranked #15 on Deloitte's 2024 Technology Fast 500 after 10,010% three-year revenue growth
  • 2025
    Announced new lending partnership with U.S. Bank to expand embedded pay-over-time financing in home services

Call-prep brief

Background

  • Co-founder & CEO of Wisetack (founded 2018), a San Francisco embedded financing (BNPL) platform for in-person services — home repair, dental, auto.
  • 20+ years in fintech product leadership: PayPal (7 yrs), Bain & Company (early career), YapStone, Mosaic (clean-energy lending), and 4 years running Product at LendingClub.
  • MBA, UC Berkeley.

Current Focus

  • Scaling Wisetack's merchant network (40,000+ contractors) via bank/lending partnerships rather than a single balance sheet — added U.S. Bank (Jan 2025), Group 1001 Insurance (Sept 2025), and LendingClub (2026) as funding partners.
  • Company revenue grew 10,010% from 2020-2023, ranking #15 on Deloitte's 2024 Technology Fast 500.

What He Cares About

  • "Borrower-friendly" financing that's fast (sub-1-minute approval) for consumers and next-day payouts for merchants.
  • Responsible growth and merchant/consumer experience over pure loan volume.

Recent Moves

  • U.S. Bank lending partnership (Jan 2025)
  • Group 1001 Insurance capital partnership (Sept 2025)
  • LendingClub partnership (2026) raising financing limits to $65,000

Potential Sensitivities

  • Wisetack depends on third-party bank/lending partners rather than its own balance sheet — credit risk sits partly outside the company.
  • No public Series C press release found; funding cadence and current valuation aren't fully transparent.

Questions to Ask

  1. How is the shift to a multi-bank funding network (U.S. Bank, LendingClub, Group 1001) affecting approval rates and unit economics?
  2. What's driving the jump in financing limits to $65,000, and how does that change the loan book's risk profile?
  3. What's the next growth vertical after home services, dental, and auto repair?

Outreach draft

Subject
Embedded Financing Growth at Wisetack
Hi Bobby, I've been following Wisetack's growth — the #15 ranking on Deloitte's 2024 Technology Fast 500 and the new funding partnerships with U.S. Bank and LendingClub stood out. Embedded, pay-over-time financing for home services seems to be hitting an inflection point, and the multi-bank funding model you're building looks like it's setting the pattern for the category. I'd welcome a short call to hear how you're thinking about the next phase of growth — new verticals beyond home services, dental, and auto repair, and how the funding-partner network is evolving. Would you have 20 minutes in the coming weeks? Best, [Placeholder Name]

Linked companies

Sources