The Team

We're here to help you master the rules of credit.

Meet the team of credit and financial experts behind Working Credit.

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Ricki Lowitz

Co-Chief Executive Officer
For more than 25 years, Ricki has been designing and implementing programs to help Americans improve their finances. Before founding Working Credit, Ricki served as the Director of Economic Opportunities for the Chicago office of the Local Initiatives Support Corporation (LISC) in Chicago. At LISC, 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 developed neighborhood-focused employment initiatives for the Comprehensive Community Revitalization Program (CCRP) in the South Bronx. Ricki also worked for Chicago’s Business and Professional People for the Public Interest (BPI), 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.
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Sarah Chenven

Co-Chief Executive Officer
Sarah joined Working Credit in August 2021. As Co-CEO, she focuses on organizational growth and development—helping Working Credit meet its mission by strengthening internal systems and identifying opportunities to scale our credit building services to those who will most benefit from them. Prior to joining Working Credit, Sarah was the Chief Operating and Strategy Officer at Credit Builders Alliance, a national nonprofit network of hundreds of organizations that serves as a bridge between its member organizations and the credit bureaus. Before that, she was Executive Director of Innovative Changes, one of the few CDFI nonprofit loan funds in the country dedicated specifically to consumer lending, financial education, and credit building as a responsible alternative to payday lenders. Sarah has over a two decades of experience in nonprofit and public sector organizations with missions to help create systemic change. She has managed numerous programs with sizeable budgets and staff and has worked in diverse and challenging contexts, including post-war Bosnia. Sarah has a Master's Degree in Public Administration, a J.D. from the University of Texas, and is a member of the Oregon State Bar.
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Kristin Schell

MSW, Chief Program Officer
With nearly a decade of experience helping individuals, families, and organizations to understand credit building as asset building, Kristin keeps our programs up-to-date and running smoothly. Previously, she worked 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 Building Coalition and the Local Initiatives Support Corporation's network of Financial Opportunity Centers—during which she trained more than 100 non-profit organizations. 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 in Washington, D.C. 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.

Ramiro Flores

Credit Building Counselor

Rachel Shannon

Credit Building Counselor

Niki Volz

Senior Credit Building Counselor

Jim Schebek

Senior Credit Building Counselor

Board Members

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Jacqueline Scott (President)

Associate Professor, Department of Philosophy, Loyola University of Chicago
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Bob Thomas (Vice President)

Financial Wellness and Time Off Policies Manager, United Airlines
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Rose Mary Brown (Treasurer )

Senior Epic Clinical Applications Analyst, Boston Medical Center
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Toby Herr (Emeritus Director)

Founder of Project Match, Erikson Institute
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Kant Desai

Principal, Cities for Financial Empowerment Fund
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Ricki Lowitz

Co-CEO, Working Credit NFP

Kim Allman

Senior Director of Community Impact and Investment, Capital One

Gary Kash

President and Founder of Insights in Marketing of Northbrook, IL (Retired)