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 & Chief Executive Officer


Bharat Lakhanpal

Chief Information Officer & Chief Operating Officer

Andrew Houghton

Chief Financial Officer

Investment Team

Tingting Zhang

Founder & Chief Executive Officer


Darren Cline

Managing Director, Loan Marketing


Veronica Ramos

Managing Director, Investments


Paul Hayashi

Principal, Investments

Geraldine Kim

Director, Investments


Soojin Whang

Associate, Investments

Thomas Bate

Analyst, Investments

Tommy Bortnick

Analyst, Investments

Hunter Elias

Analyst, Investments

Alon Tamir

Analyst, Investments