Our Team

TerraCotta is led by a team of ambitious, highly-qualified and committed leaders.

Collectively, the TerraCotta team has over 100 years of experience in commercial real estate credit, over 65 years of collective experience in data analytics and information systems, and over 15 years in the pioneering of research, testing, and application of advanced data analytics in real estate credit investment.

Management Team

Tingting Zhang

Founder & Co-Chief Executive Officer


Bob Franko

Co-Chief Executive Officer

Bharat Lakhanpal

Chief Information Officer & Chief Operating Officer

Andrew Houghton

Chief Financial Officer

Investment Team

Tingting Zhang

Founder, President & Chief Executive Officer


Bryan Cavalier

Managing Director, Investments

Darren Cline

Managing Director, Loan Marketing


Veronica Ramos

Managing Director, Investments


Paul Hayashi

Principal, Investments

Geraldine Kim

Director, Investments


Katie Boyle

Analyst, Investments



Kevin McDonnell

Analyst, Investments