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-Founder and CEO
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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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 the Local Initiatives Support Corporation (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. Here at Working Credit, Amanda is focused on business development, marketing, and strategic partnerships. Amanda has a B.A. from Princeton University and an MBA from the Kellogg School of Management at Northwestern University.
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Kristin Schell

MSW, Director of Programs
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.

Board Members

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Kant Desai (Chairman)

Principal, Cities for Financial Empowerment Fund
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Trish Lukasik (Treasurer)

Operating Partner at Atlantic Street and Director, Sargento Foods
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Jacqueline Scott (Secretary)

Associate Professor, Department of Philosophy, Loyola University of Chicago
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Rose Mary Brown

Senior Epic Clinical Applications Analyst, Boston Medical Center
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Sarah Chenven

Deputy Director, Credit Builders Alliance
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Toby Herr

Founder of Project Match, Erikson Institute
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Ricki Lowitz

Founder and CEO, Working Credit NFP
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Jennifer Marszalek

Human Resource Consultant
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Bud Ross

Managing Partner, Albatross Ventures
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Bob Thomas

Financial Wellness and Time Off Policies Manager, United Airlines