Achieve, a digital personal finance company, has appointed John Davis as chief credit officer. Davis brings over 25 years of financial services experience to oversee credit policy, modelling and risk management frameworks. Davis joins from Discover Financial Services, where he served as chief credit officer. He previously held senior roles at JPMorgan Chase, Citigroup and Bank of America, beginning his career at MBNA. Reporting to President of Lending Kyle Enright, Davis will manage relationships with Achieve's partner bank and investors whilst expanding the company's artificial intelligence capabilities for responsible lending. The appointment comes as Achieve continues scaling operations in debt consolidation, personal loans and home equity products, aiming to help American households manage approximately $19 trillion in outstanding debt.

Achieve, a digital personal finance company, has appointed mortgage industry veteran Nectar Kalajian as Managing Director to launch Achieve Pro, a new third-party origination platform for home equity lines of credit. The platform will launch in the second half of 2026, enabling correspondent lenders to access Achieve's fixed-rate HELOC infrastructure without building proprietary technology. Kalajian brings over 40 years of experience from roles at Countrywide, Newrez and Finance of America Mortgage. The initiative targets growing demand for home equity products as homeowners with low-rate mortgages seek alternatives to refinancing. Achieve Pro will provide lenders with turnkey HELOC infrastructure, capital markets integration and consumer insights. The company has over seven years of HELOC experience and has originated billions of dollars in loans.

Achieve, a digital personal finance company, has closed its first debt settlement fee securitisation worth $217.2 million. The ACHD Trust 2025-DS1 transaction includes three classes of rated notes backed by fees from Achieve Debt Relief's debt settlement programmes for US consumers. Jefferies served as initial purchaser and sole bookrunner. Kroll Bond Rating Agency assigned ratings ranging from BBB- to B-, whilst DBRS Morningstar provided ratings for the Class A and B notes. The deal attracted strong investor interest, with demand exceeding supply by more than 11.5 times, and 25 unique investors participating. Co-CEO Andrew Housser said the securitisation unlocks a new capital channel to help consumers resolve debt. The transaction expands Achieve's existing capital markets capabilities, which include investment-grade rated personal loan and home equity loan securitisations.