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Hadi F. Habal

Co-Founder, CEO

Hadi brings a distinct combination of experience and expertise in business leadership, fundamental investing and technology innovation to his role as Co-founder and CEO of HCG, a firm at the forefront of alternative investment programs rooted in Fintech.

For over 25 years, Hadi has been an investor in both public and private markets, at firms including BlueCrest Capital Management (as Portfolio Manager), Millennium Partners (Portfolio Manager), and JPMorgan Partners (Principal).  He also served as Vice President in JPMorgan’s Mergers & Acquisitions group. He started his career in the telecom services sector with GTE (n/k/a Verizon), as a Member of the Technical Staff.

Hadi has an M.B.A. from the Sloan School of Management at MIT, an M.S. in Electrical Engineering from Tufts University, and a B.S. in Electrical Engineering from Lehigh University. Hadi holds U.S. patent # 5519760 entitled “Cellular Network-Based Location System” and designed the communications architecture for the U.S. Department of Transportation’s National Intelligent Vehicle Highway/Transportation System.

Jose N. Penabad

Co-Founder, CIO

Jose embodies the foresight that has kept HCG at the vanguard of digital private credit and Fintech. His demonstrated ability to see how trends can evolve into investment opportunities and his rigorous, highly disciplined approach to portfolio management are key drivers behind HCG’s programs.

For almost 20 years, Jose has been an investor in both private and public markets, working in investment roles at JPMorgan Partners and SAB Capital Management.  Jose has spent the majority of his career focused on financials and debt strategies. His first major career assignment at Morgan Stanley in 2002: working on the debt restructuring of the largest Argentine corporate default.

He has a B.A. in International Finance and Marketing and a B.A. in Computer Information Systems from the University of Miami.

Chris Bauer

Investment Associate

• Financial modeling in the support of new and existing investments
• Experience across ABS Origination and Asset Backed Lending at Credit Suisse
• Education: BS, Mechanical Engineering, University of Illinois at Urbana-Champaign

Dan Cholvibul

Head of Product & Strategy

• Product management and strategy at HCG

• Background in financial analysis, quantitative modeling and cloud product delivery at Capital One
• Education: BSBA Finance and Economics, Washington University in St. Louis

Anna Chevallier

Director of Business Development

• Business development at HCG for Switzerland
• Background in business development, investor relations, and consulting at LGIP, Liability Solutions, Newton Associates, Ernst&Young, Arthur Andersen, D.E. Shaw & Co., Van Eck Global
• Education: BA, Finance, Temple University

Jack Coogan

VP of Business Development

• Runs strategic business development at HCG
• Background in business development, trading, and management at ICAP Glovista, and LendingClub
• Education: BA, University of Notre Dame

Arjun Dias

Investment Accountant

• Finance and Operations at HCG
• CPA with 10 plus years of experience in accounting and financial reporting at the Archdiocese of Philadelphia and General Electric
• Education: BS, Economics (Minors: Math, Physics), University of Wisconsin-Madison; Master of Accounting, Cabrini University

David Evans

Controller

• Focused on Finance and Operations at HCG
• Background in accounting and financial reporting at Altisource Asset Management, Credit Suisse, and Lincoln Financial Group
• Education: BA, Economics, UNC-Chapel Hill; Master of Accounting, UNC-Chapel Hill

Dan Harms

Senior Software Engineer

• Focused on automation and software development at HCG
• Background in DevOps and cloud native development at IBM and Rockwell Collins
• Education: BS, Computer Engineering, South Dakota School of Mines and Technology

Gretta Heaney

Chief Compliance Officer

• Administers HCG’s compliance program
• Previously, the chief compliance officer for the Baron mutual funds, a vice president in Goldman Sach’s equities compliance department, and an enforcement attorney at the U.S. Securities and Exchange Commission
• Education: BA, Harvard University; JD, Fordham School of Law

Olga Hernandez

Business Consultant

• Works on a variety of projects with the management of HCG
• Have held senior positions within Asset Management, both for Private Wealth and for Institutional Investors, at J.P. Morgan, Citigroup, and Baron Capital
• Education: AB, Psychology, University of Chicago; MBA, Columbia University

Daniel Im

VP of Finance and Operations

• Finance and Operations at HCG
• Background in corporate finance advisory at Bridgewater Associates and various investment banks
• Education: BS, Finance and Accounting, New York University; MSL, Taxation, Georgetown University

Brandon Langley

Software Engineer

• Software Design, Development and Support at HCG
• Background in software engineering and critical problem solving
• Education: BS, Computer Science, Clemson University

Chelsea Locklear

Head of Firm and Client Service Operations

• Handles client services and firm operations at HCG
• Background in operation and non-profit development at Girls Who Code and Echoing Green
• Education: BA, International Studies, North Carolina State University; MPA, University of North Carolina

Ken Long

Treasury Manager

• Finance and Operations with focus on Treasury Management at HCG
• Background in treasury management and accounting at Blue Cross and Blue Shield of North Carolina, Duke Energy Corp. and other various companies
• Education: BS, Management with concentration in Accounting, University of Massachusetts, Boston

Yvonne Mankessi

Firm and Client Services Associate

• Manages operational tasks for client services and the firm including overseeing the HCG office
• Previously worked as a commercial and residential real estate legal assistant
• Education: BS, Business Administration, East Carolina Univeristy

Doug Mellon

Software Engineer

• Focused on automation and software development at HCG
• Background in software engineering and data analytics
• Education: BS, Software Engineering, University of Northern Colorado

Magnus Nilssen

Director of Business Development

• Business development at HCG for Switzerland
• Background in business development, sales and alternative investments at Caliburn Capital, Arctic Securities, Bellevue Asset Management, Woodman Asset Management, ISP Group
• Education: BA, International Business Studies, European Business School, London : MSc, International Finance, Westminster Business School

Logan Owen

Head of Engineering/Chief Information Security Officer

• Engineering development and management at HCG
• Background in software engineering in manufacturing, logistics, energy, and finance
• Education: Master in Engineering, Mechanical Engineering, University of Louisville; MBA, University of Louisville

Emma Wang

Investment Accountant

• Part of Finance and Operation team at HCG
• Background in accounting and financial reporting at SS&C and various companies
• Education: BS, Finance, Tianjin University of Commerce; MS, Finance, Tulane University

Daniel Zachmann

Investment Director

• Sourcing and managing investments, focusing on European opportunities
• 10 plus years experience in alternative investments at Bedrock and J. Safra Sarasin Asset Management
• Education: BA, Economics, University of Pennsylvania, MBA, INSEAD

Betsy Zurawel

Investment Accountant

• Works with the Finance and Operations team
• Licensed CPA with a background in accounting and auditing at KPMG
• Education: BS and MS, Accounting, East Carolina University