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Ali Erhat Nalbant is co-founder of Huma Finance and co-founder of Arf. Ali is an entrepreneur, an ex-software developer, and a consultant with regional experience in EMEA. He founded multiple fintech startups in lending, crypto-fund, and personal finance verticals and has more than fifteen years of experience in tech product development.
Work Experience
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Jaou Toure
Jaou Toure is Head of Business and Operations at Huma Finance, having previously worked at McKinsey & Company. She holds an MBA from Stanford University.

Erbil Karaman
Erbil Karaman is the co-founder of Huma Finance, and was previously the Chief Product Officer at Earnin, Head of Consumer Products at Lyft, and Product Owner for several Facebook programs. He holds a Bachelor's degree in Computer Engineering from the Orta Doğu Teknik Üniversitesi.

Kazım Rıfat Özyılmaz
Kazım Rıfat Özyılmaz is co-founder of Huma Finance & Arf and previously worked at Intrepid Ventures.

Richard Liu
Richard Liu is Huma Finance co-founder and co-CEO and Foothill Ventures Investment Partner. He was previously an engineer at Meta, director of engineering at Google, and senior manager at Oracle. He holds a Ph.D. in Electrical and Computer Engineering from the University of Florida, a Master of Automation from Tsinghua University, and a Bachelor of Electrical Engineering from the University of Sichuan.

Jacy S.
Jacy S. is Global Growth Lead at Huma Finance, where she was previously Head of Blockchain Partnerships at SWFT. She is a graduate of Harvard University and Smith College.