Curriculum vitae Rev.

Portrait of Cris Ravazzano

Cris Ravazzano

Chief Operating Officer, Loans Canada

Greater Toronto Area, Canada

LinkedIn
linkedin.com/in/cris-ravazzano
Email
cris [at] ravazzano.com
Writing
creditmarketing.ca

Summary

Chief Operating Officer at Loans Canada since August 2026, after fifteen years as its Chief Technology Officer.

Joined the founding team in 2011. Built the company’s technology — its websites, the lead-management and referral system, and the APIs that connect borrowers, lenders and publishers — and ran its marketing and affiliate programs. Now responsible for day-to-day operations and partnerships.

Before and alongside Loans Canada: freelance software development in Montreal, including agency work for clients such as Air Canada. Writes about Canadian lead generation, consent and lending data at CreditMarketing.ca.

Sites loanscanada.ca · creditmarketing.ca

At a glance

Joined the Loans Canada founding team
2011
Loan applications submitted through Loans Canada since 20121
7M+
Loans Canada revenue growth, 2020–20232
456%
Loans Canada revenue range, 2024 and 20253
$10–25M
  1. loanscanada.ca, September 2026.
  2. Deloitte Technology Fast 50 and Technology Fast 500, 2024.
  3. Revenue category of $10M–$25M in The Globe and Mail’s Canada’s Top Growing Companies, 2025 and 2026 editions, which report 2024 and 2025 revenue. See Recognition.

Experience

  1. – present

    Loans Canada

    1. Chief Operating Officer – present
    2. Chief Technology Officer –

    Loan-comparison platform that connects Canadian borrowers with lenders and offers free Equifax credit scores through its CompareHub portal. Its affiliate and lead-generation network operates as CreditMarketing.ca.

    Operations Runs day-to-day operations of Loans Canada and the CreditMarketing.ca network, and the lender, advertiser and publisher partnerships behind them.

    Technology Built and led development of the web properties, the lead-management and referral system, and its REST APIs — used by hundreds of publishers and advertisers, and integrated with dozens of lenders, other financial-service providers and marketing platforms in Canada and the US. Shipped the free Equifax credit-score portal (2022) and an embeddable loan-search widget (2019).

    Marketing Led content and SEO, paid search and social, email and television advertising, and built and ran the affiliate program and its tracking technology. Managed the technology and marketing team.

    Location Montreal, QC · Toronto, ON

    Stack Laravel · PHP · JavaScript · Vue.js · MySQL · Twig · Linux · Nginx · Git

    Channels SEO & content · PPC/SEM · Paid social · Affiliate · Email · Television

Earlier

  1. – 5 yr 1 mo

    Freelance software developer

    Contract web development in Montreal. With Drive Marketing (2012–2015): templating, MVC and automation work on the agency’s in-house CMS, and client builds including Air Canada’s webSaver Facebook app, MLS listings integration for YUL Montreal, map-based rental search for Relo Montreal and the Vitamob health-and-fitness social network. Before that, full-stack client projects with Offline Systems (2010–2012).

    Location Montreal, QC

    Stack PHP · JavaScript · AJAX · XML · Facebook, Google Maps and Centris (MLS) APIs

  2. – 5 mo

    Groupe Access

    Junior software developer (internship). Front-end development on client websites.

    Location Montreal, QC

Recognition

Rankings and awards for Loans Canada.

Scott Satov and Cris Ravazzano standing on the TMX Group stage in Toronto, in front of a screen celebrating the Deloitte Technology Fast 50, 2024.
Fig. 1  · Toronto Deloitte Technology Fast 50 market open at TMX Group. Scott Satov, CEO of Loans Canada (left), and Cris Ravazzano.

Register

Date Recognition · Issuer Result
Canada’s Top Growing Companies The Globe and Mail · revenue category $10M–$25M No. 172 152% three-year growth
Technology Fast 500, North America Deloitte · fintech No. 316 241% growth, 2021–2024
Canada’s Top Growing Companies The Globe and Mail · revenue category $10M–$25M No. 137 264% three-year growth
Technology Fast 50, Canada Deloitte · see Fig. 1 No. 44 456% growth, 2020–2023
Technology Fast 500, North America Deloitte · fintech No. 251 456% growth, 2020–2023
Canada’s Top Growing Companies The Globe and Mail No. 228 193% three-year growth
Canada’s Top Growing Companies The Globe and Mail No. 131 352% three-year growth
Best Use of Search — Finance (SEO) Canadian Search Awards · entry “Online Personal Loans” by Cris Ravazzano and Loans Canada Finalist
Total 8 entries · 7 growth rankings, 1 finalist 2020–2026

Writing & research

Articles on CreditMarketing.ca since April 2026, covering the economics, regulation and technology of lending lead generation. A selection:

  1. Research

    Who Actually Gets Funded: A Messaging Playbook for Smarter Lead Generation

    • Direct-deposit income: about 93% more likely to be funded
    • Requests of $5,000–$10,000 fund best; odds fall above $10,000
    • Fair credit (550–700) funds better than good credit (700+)

    Drawn from ~500,000 non-bank personal-loan applications to Loans Canada, early 2026.

    CreditMarketing.ca ·

  2. Markets

    More Buyers, Same Lenders: Why Ping/Post Pays Less in Canada

    Why extra lead buyers in a small lender market mostly resell to the same lenders, and why revenue per applicant is the number to watch.

    CreditMarketing.ca ·

  3. Product

    Financial Intent Is Perishable: A Personal Loan Lead’s Shelf Life

    A lead is worth most while the borrower is still applying, so declined applicants are best served in-session rather than resold later.

    CreditMarketing.ca ·

  4. Policy

    Canada’s New Privacy Law: What Bill C-36 Means for Lenders and Affiliates

    What the proposed replacement for PIPEDA would change for consent language, lead scoring and cross-border data.

    CreditMarketing.ca ·

  5. Compliance

    Running Loan Offers in Quebec: What Affiliates Get Wrong

    Quebec’s consumer-protection, licensing, language and privacy rules, and how they shape a loan funnel.

    CreditMarketing.ca ·

  6. Engineering

    How We Use IBV to Improve Weekend Conversions

    Using instant bank verification to keep weekend applications fundable when lenders are short-staffed.

    CreditMarketing.ca ·

All articles on CreditMarketing.ca

Areas of work

Operations & partnerships

  • Lender, advertiser and publisher partnerships
  • Affiliate program design and economics
  • Consent and privacy: CASL, PIPEDA, Law 25
  • Consumer-credit funnels and underwriting data
  • Leading technology and marketing teams

Marketing

  • SEO and content
  • Paid search and paid social
  • Affiliate and partner channels
  • Email and lifecycle
  • Television advertising

Technology

  • Laravel, PHP, JavaScript, Vue.js, MySQL
  • REST API design and partner integrations
  • Lead-management and referral systems
  • Credit-bureau and bank-data (IBV) integrations
  • Linux, Nginx, Apache, Git

Education

  1. 2009 – 2015

    Concordia University — John Molson School of Business

    Bachelor of Commerce, Major in Business Technology Management; Minor in Computer Science

    Coursework in systems analysis and design, project management, ERP, UML and software design patterns.

    Study Part-time, alongside freelance work and Loans Canada

    Location Montreal, QC

  2. 2006 – 2009

    John Abbott College

    Computer Science Technology

    Programming, algorithms, data structures and databases.

    Distinction Honours student · mathematics tutor

    Location Montreal, QC

Languages & community

Languages

English · Spanish

Native or bilingual proficiency in both

Community

Fintech Cadence — industry expert, volunteer

Advised start-up and research teams on the technical feasibility of their ideas, at the Formathon and a financial-empowerment challenge.

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