Senior Management

Ricki headshot

Ricki Granetz Lowitz, Co-Founder and CEO

Ricki Granetz Lowitz has spent more than 25 years designing and implementing programs that help American low-moderate income families improve their financial bottom line. Prior to launching Working Credit NFP, Ricki served as the Director of Economic Opportunities for Local Initiatives Support Corporation (LISC) in Chicago.  There, she created the organization’s first network of Financial Opportunity Centers—a model LISC replicated in 13 U.S. cities, and for which LISC received a federal Social Innovation Fund award in 2010.  Ricki also developed Twin Accounts, a credit building and savings product featured in The New York Times Magazine and Telemundo Nacional in 2014.  Before joining LISC, she crafted neighborhood-focused employment initiatives for the Comprehensive Community Revitalization Program (CCRP) in the South Bronx. Ricki also worked for Business and Professional People for the Public Interest (BPI) in Chicago, assisting residents from the Henry Horner public housing development to pursue community revitalization initiatives. She holds a Masters in Public Policy from Columbia University in New York.


Amanda Carney, Co-Founder and President

Amanda Carney brings two decades of experience in community and economic development to Working Credit, combined with a strong background in nonprofit management and finance. She spent fifteen years at LISC, where she was the founding Director of LISC’s New Communities Program (NCP), a $40 million program to revitalize inner-city Chicago neighborhoods, which has since been nationally replicated. For the last ten years, Amanda has been an independent consultant focused on strategic development for large nonprofit organizations. In her role at Working Credit, Amanda is focused on business development, marketing, and strategic partnerships. Specifically, she is focused on scaling Working Credit services in sectors including retail, manufacturing, hospitality, healthcare, and human services. Amanda has a B.A. from Princeton University and an MBA from the Kellogg School of Management at Northwestern University.



Kristin Schell

Kristin Schell, MSW, Director of Programs

Kristin Schell joined Working Credit in September 2015, bringing more than eight years of experience in assisting individuals, families, and organizations to understand credit building as asset building. She was formerly at Justine PETERSEN, a CDFI and microlender in St Louis, where she ran a national secured credit card and small dollar loan program. Kristin was the lead credit building trainer for the “Asset Building through Credit” Pilot Program—a FIELD project through the Aspen Institute, as well as the Chicago Credit Builder Coalition and LISC's network of Financial Opportunity Centers—during which she trained more than 100 non-profit organizations. Kristin also provided training for Credit Builders Alliance for their “Rapid Response Program” and their “Credit is an Asset” one-day training program. Kristin was part of the inaugural class of Emerging Leaders in Microenterprise (ELM2), an Aspen Institute FIELD program in 2013 and recently became a board member of Credit Builders Alliance. She has previous work experience with the Credit Builders Alliance and Gateway EITC Community Coalition, where she coordinated a VITA Tax Site. Kristin has her Master of Social Work from Saint Louis University and an undergraduate degree from the University of Kansas.



Toby Herr, Research Advisor

Toby Herr is the founder of Project Match, a Chicago-based program that straddled the worlds of direct service, research and program development in a range of fields related to low-income populations, including workforce development, family stability, community revitalization and financial services. Project Match operated as a Research and Development lab: developing and testing anti-poverty approaches, documenting participants’ progress, and articulating lessons based on a careful analysis of month-to-month and year-to-year data. Over the years, Project Match was recognized for its contributions to the field, with awards for innovation and excellence from the Ford Foundation, Harvard University, and the Annie E. Casey Foundation among others. In 2008, Project Match was one of eight nonprofits internationally to receive the MacArthur Foundation’s award for Creative and Effective Institutions. Project Match became part of Erikson Institute in 2013.




Kant Desai (Chairman)

Cities for Financial Empowerment Fund

Jacqueline Scott (Secretary)

Associate Professor, Department of Philosophy
Loyola University of Chicago

Sarah Chenven

Deputy Director
Credit Builders Alliance

Toby Herr

Founder of Project Match
Erikson Institute

Ricki Lowitz

Founder and CEO
Working Credit NFP

Trish Lukasik

Former Chief Executive Officer, Luxury Garage Sales & Director, Sargento Foods

Jennifer Marszalek

Chief Talent Officer
Havas Chicago

Bob Thomas

Financial Wellness and Time Off Policies Manager
United Airlines

Ann Weiser

Vice President, Human Resources
Chicago Cubs

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