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    <loc>https://www.obra.com/about</loc>
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      <image:title>About - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>About - Insurance</image:title>
      <image:caption>• Special Situations • Longevity</image:caption>
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      <image:caption>• Multi-sector Credit • Institutional Credit • Asset-based Opportunistic Credit • Real Estate Credit</image:caption>
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  <url>
    <loc>https://www.obra.com/obra-leadership</loc>
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    <lastmod>2025-10-10</lastmod>
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  <url>
    <loc>https://www.obra.com/obra-leadership/blair-h-wallace</loc>
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    <lastmod>2025-10-28</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/95cf9af4-9d9c-4c30-a0eb-8bbc707d65cd/BlairW-1Large-2.jpg</image:loc>
      <image:title>Leadership - Blair H. Wallace - Blair H. Wallace</image:title>
      <image:caption>PRESIDENT &amp; CHIEF EXECUTIVE OFFICER Mr. Wallace joined Obra Capital’s Executive Team in October 2021. Prior to Obra, Mr. Wallace was a Partner and Portfolio Manager at Tenor Capital Management Company, L.P, where he led a team responsible for multiple litigation-related funds and vehicles with aggregate exposure to billions of dollars in claims and awards. During ten years at Sculptor Capital Management (formerly known as Och-Ziff), he was Head of Complex Solutions and a Managing Director of Structured Credit. Blair was involved with esoteric and structured assets, including sourcing, underwriting, diligence, structuring, and management. He began his career as an associate at Katten Muchin Rosenman LLP. Mr. Wallace graduated from Brooklyn Law School and holds a BA from the University of California San Diego.</image:caption>
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  <url>
    <loc>https://www.obra.com/obra-leadership/peter-polanskyj</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-27</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/056c058e-be10-4f2f-8eb9-8e78d848e7d1/Peter+Polanskyj.jpg</image:loc>
      <image:title>Leadership - Peter Polanskyj - Peter Polanskyj</image:title>
      <image:caption>Chief Investment Officer Mr. Polanskyj is Chief Investment Officer for Obra Capital. He is also a Senior Managing Director and a member of the firm’s Executive Team. Prior to joining Obra Capital in 2022, Mr. Polanskyj was Managing Director and Head of U.S. Collateralized Loan Obligation Management at Sculptor Capital Management (formerly known as Och-Ziff). In this role, Mr. Polanskyj oversaw the various aspects of creating, securitizing, and managing CLOs and similar structured products as an Issuer. During his 14-year tenure, he was also responsible for investments in CLOs and other corporate-backed structured products including CBOs, synthetic CDOs, TRUP CDOs, as well as investments in various regulatory and arbitrage strategies involving structured credit, corporate credit, equity, and closed end fund markets. Previously, Mr. Polanskyj held various positions at Morgan Stanley, including roles as a strategist focused on credit, structured credit, equity derivatives, and capital structure arbitrage. He also worked as an independent consultant focused on employee stock option valuation, as well as a Supervising Actuary for Reliance National Insurance Company. Mr. Polanskyj holds a Bachelor of Arts in Economics and Mathematics from Rutgers University, where he was named a Henry Rutgers scholar, and a Master of Business Administration from Columbia Business School.</image:caption>
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  <url>
    <loc>https://www.obra.com/obra-leadership/zach-ainsberg</loc>
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    <priority>0.5</priority>
    <lastmod>2025-10-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/6597cb19-4da4-4684-bf70-b0bc3a39ffe7/Zach+Ainsberg+bg.jpg</image:loc>
      <image:title>Leadership - Zach Ainsberg - Zach Ainsberg</image:title>
      <image:caption>CHIEF OF STAFF Mr. Ainsberg is a Managing Director and Chief of Staff for Obra Capital. Prior to joining Obra in 2021, Mr. Ainsberg worked at Sculptor Capital Management (formerly known as Och-Ziff) for over a decade, where he held various management positions, most recently in Corporate Strategy with responsibilities in corporate finance and business development. Prior to that, he was Head of Data Services and responsible for the integrity of firm-wide reference data inputs, managing all data technology projects, and establishing robust data governance controls. Mr. Ainsberg enhanced the breadth of investor reporting and transparency in his initial role at Sculptor. Mr. Ainsberg earned a B.S. in Management with dual concentrations in Finance and Management Information Systems from Binghamton University, where he graduated summa cum laude.</image:caption>
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  <url>
    <loc>https://www.obra.com/obra-leadership/m-bachenheimer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/0ff8dca7-4ced-45f9-9ab8-6dd453755b49/Mike.jpg</image:loc>
      <image:title>Leadership - Michael Bachenheimer - Michael Bachenheimer</image:title>
      <image:caption>REAL ESTATE Mr. Bachenheimer is Managing Director, Real Estate Origination for Obra Capital. Prior to joining Obra in 2024, Mr. Bachenheimer spent 5 years at Pangea Mortgage Capital in a similar role and has over 25 years of real estate experience in the United States. Throughout his career, Mr. Bachenheimer has completed over $2.0 billion of structured debt transactions. He has a diverse background of experiences having worked in multiple capacities in the real estate industry as a lender, real estate consultant, appraiser and asset manager. Mr. Bachenheimer graduated from the Michigan State University.</image:caption>
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  <url>
    <loc>https://www.obra.com/obra-leadership/barbara-cappaert</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/311f3a4f-d865-4ad2-bfc8-efeba278aa08/obra-capital-symbol-logo-color.jpg</image:loc>
      <image:title>Leadership - Barbara Cappaert - Barbara Cappaert</image:title>
      <image:caption>INSTITUTIONAL CREDIT Ms. Cappaert is a Managing Director, Senior Analyst at Obra Capital. She is responsible for research coverage of gaming, leisure, restaurant and retail credits for the CLO and investment research products. Prior to joining Obra in 2023, Ms. Cappaert was a senior vice president at KDP Investment Advisors with similar responsibilities, Duff &amp; Phelps, Citicorp, and Baker Fentress. Ms. Cappaert earned a Bachelor of Science in Business Administration from Marquette University with a specialization in Finance and a minor in History.</image:caption>
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  <url>
    <loc>https://www.obra.com/obra-leadership/pat-colella</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/abf21a1d-ac64-4298-88c5-c934e3a2374e/Pat.jpg</image:loc>
      <image:title>Leadership - Pat Colella - Pat Colella</image:title>
      <image:caption>Head of IT Mr. Colella is a Managing Director and Head of IT for Obra Capital. Mr. Colella brings over 15 years of experience managing complex IT systems and infrastructures in the financial services industry. Prior to joining Obra in 2024, Mr. Colella worked at Sculptor Capital Management (formerly known as Och-Ziff), where he served as Global Head of End User Services. Prior to that, he was Technical Support Engineer and IT Project Manager for Bank of America. In his experiences, Mr. Colella implemented innovative solutions and help drive efficiency in IT operations. Mr. Colella’s has a background in technology and computer science.</image:caption>
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  <url>
    <loc>https://www.obra.com/obra-leadership/helen-dong-cpa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1f217466-aa45-46e9-bec9-59f5c7001fa0/Helen+Dong.jpg</image:loc>
      <image:title>Leadership - Helen Dong, CPA - Helen Dong, CPA</image:title>
      <image:caption>CONTROLLER Ms. Dong is a Managing Director, Controller at Obra Capital. Prior to joining Obra in 2022, Ms. Dong was a Director at Blackstone, where she was responsible for overseeing the accounting and financial reporting of funds and separately managed accounts of Blackstone Credit’s liquid credit strategies business. Prior to Blackstone, Ms. Dong worked as an experienced audit Manager at PricewaterhouseCoopers, where she supervised financial statement audits of investment management funds and audited financial reporting internal controls of global investment banking clients. Ms. Dong received a B.B.A. and M.B.A. in Accounting from Pace University’s Lubin School of Business, where she graduated summa cum laude. She is a Certified Public Accountant in the State of New York and a member of the American Institute of Certified Public Accountants (AICPA).</image:caption>
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  <url>
    <loc>https://www.obra.com/obra-leadership/dirk-gilmore-caia</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/c7b52f2d-ea8a-4a9c-a4c3-94e07a2c68dd/Dirk+-+skyline+background+copy.jpg</image:loc>
      <image:title>Leadership - Dirk Gilmore, CAIA - Dirk Gilmore, CAIA</image:title>
      <image:caption>UNDERWRITING Dirk Gilmore is the Managing Director of Underwriting. His expertise in medical underwriting and his knowledge of the life settlement asset class provides unique insight into mortality prediction. His approach to medical underwriting is investigative and forensic and is particularly suited to high-stakes decisions. Dirk has been an active advisor to the life settlement industry since 2005. He began working full-time in the industry in 2010 with the primary goal of providing more accurate longevity projections beyond what was available from third-party LE providers. Dirk has reviewed and provided longevity projections on thousands of individuals that represent over $50B of life insurance death benefits. During that time, he created proprietary mortality tables designed to reflect the longevity of the specific cohort of individuals who are participants in life settlement transactions. His life expectancy projections and mortality tables have proven to be substantially more accurate than industry standards. The portfolios for which he has overseen medical underwriting are performing at or above expectations.</image:caption>
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  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/joseph-hwang</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-13</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/fe163b5e-ea31-4ee3-8198-47aa2db70321/Hwang_Joseph_1200x1500.jpg</image:loc>
      <image:title>Leadership - Joseph Hwang - Joseph Hwang</image:title>
      <image:caption>SPECIAL SITUATIONS Joseph Hwang, D.B.A is the Managing Director of Special Situations at Obra Capital and has been with the firm since 2018. Prior to joining Obra, he served as the Managing Director (Head) of Capital Markets for the JG Wentworth Company. He was responsible for the securitization program and all capital markets activities, and through his career has structured over $4 billion in insurance linked assets. Prior to JG Wentworth Company, he served in various leadership and capital markets roles at UnitedHealth Group, American Express, and TD Bank. Dr. Hwang holds a Bachelor of Arts from Michigan State University’s Eli Broad College of Business, a Master of Science from Villanova School of Business, and a Doctor of Business Administration from Temple University’s Fox School of Business.</image:caption>
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  <url>
    <loc>https://www.obra.com/obra-leadership/michael-kee-cfa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/d47b6064-d786-49ec-9a77-31b6171e409a/Michael+Kee.jpg</image:loc>
      <image:title>Leadership - Michael Kee, CFA - Michael Kee, CFA</image:title>
      <image:caption>ANALYTICS Mr. Kee first joined the Firm in 2011 and currently serves as a Managing Director of Analytics. Prior to re-joining Obra in April 2022, Mr. Kee functioned as a Manager of FP&amp;A at Care.com, where he was responsible for overseeing the forecasting and budgeting process for the company’s consumer subscription vertical, as well as partnering with the marketing and product development business units to support required reporting and analysis. Prior to joining Care.com, Mr. Kee functioned as a Director of Data Science and Portfolio Analytics at Obra, where he was responsible for developing and implementing advanced analytical models to manage portfolio risks and set investment strategies. During his collective time with the Firm, Mr. Kee has held other various responsibilities such as performing investment and risk analysis, developing financial models, and overseeing the Firm’s asset valuation process. Mr. Kee earned his MBA from St. Edward’s University in 2011 and holds a bachelor’s degree in Finance from the University of Arizona. Mr. Kee completed the Chartered Financial Analyst (CFA®) program in 2015 and is a current member of the CFA Society of Austin.</image:caption>
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  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/-scott-larson</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-05</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/184bb214-9db5-4617-964b-7354e0d564fb/IMG_8870.jpg</image:loc>
      <image:title>Leadership - Scott Larson - Scott Larson</image:title>
      <image:caption>REAL ESTATE Mr. Larson the Managing Director of Real Estate for Obra Capital. Prior to joining Obra in 2024, Mr. Larson was a Managing Principal at Pangea Properties where he worked for 13 years and launched Pangea Mortgage Capital, a national bridge lender with nearly $1 billion in commercial real estate originations. Earlier, Mr. Larson was a Private Equity Associate for American Capital, a global private equity fund with $23 billion in assets. Mr. Larson started his career in investment banking at Deutsche Bank, as part of the industrials group. He received his B.S. in Finance from the Kelley School of Business at Indiana University and his M.B.A. from The Kellogg School of Management at Northwestern University.</image:caption>
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  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/irakli-machabeli</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/a239deab-567c-49d3-8bc1-ad1b96cdeaad/Irakali.jpg</image:loc>
      <image:title>Leadership - Irakli Machabeli - Irakli Machabeli</image:title>
      <image:caption>SOFTWARE DEVELOPMENT Mr. Machabeli is a Managing Director of Software Development for Obra Capital. Prior to joining Obra in 2025, Mr. Machabeli worked at Sculptor Capital (formerly known as Och-Ziff) for over 15 years, where he oversaw quantitative modeling, data analytics, and software development for applications across various structured credit asset classes. Previously, Mr. Machabeli was a quantitative developer for mortgage strategy research at Barclays Capital. He also held positions at Bear Stearns, LHS Systems in Frankfurt, Germany, and the Tbilisi Interbank Currency Exchange in Georgia. Mr. Machabeli holds an MBA from Tbilisi State University and is a PhD Candidate in Applied Mathematics from the same institution.</image:caption>
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  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/scott-macklin</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/abffd36e-26c0-407f-b5c1-7062019195e6/Scott.jpg</image:loc>
      <image:title>Leadership - Scott Macklin - Scott Macklin</image:title>
      <image:caption>HEAD OF US LEVERAGED FINANCE Mr. Macklin is a Managing Director and Head of US Leveraged Finance for Obra Capital. Prior to joining Obra in 2024, Mr. Macklin served as Senior Vice President, Director of Leveraged Loans for AllianceBernstein, where he initiated, structured, and acted as the sole portfolio manager of the firm’s broadly syndicated loan and CLO management business. Prior to AllianceBernstein, Mr. Macklin was the Director of Research for Performing Credit and a Member of the Portfolio Committee for CLO investments at Och-Ziff Capital Management. Earlier in his career, Mr. Macklin held senior roles in credit research at Scoggin Capital Management and Marathon Asset Management. He began his career at Lehman Brothers, where he ultimately headed the Liability Management Group. Mr. Macklin holds a Bachelor of Arts double major in Economics and Philosophy from Middlebury College, where he graduated Magna Cum Laude.</image:caption>
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  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/justin-monteith</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/4af39076-c529-41e9-b0b0-ab0341b08d39/Justin.jpg</image:loc>
      <image:title>Leadership - Justin Monteith, CFA - Justin Monteith, CFA</image:title>
      <image:caption>INSTITUTIONAL CREDIT Mr. Monteith is a Managing Director, Senior Trader at Obra Capital. Prior to joining Obra in 2023, Mr. Monteith served as co-portfolio manager at KDP Asset Management. Mr. Monteith has over 20 years of investment experience in high yield bonds and loans. Prior to joining KDP Asset Management, Mr. Monteith was a Market Analyst for KDP Investment Advisors. Before joining KDP, Mr. Monteith was the head trader of bonds, equities and options for 5 years with Equity Services, Inc., a subsidiary of National Life Group. Prior to this he was with Sentinel Funds, Bank of America Investment Services and Morgan Stanley Dean Witter. He received his Master’s in Financial Economics from the University of London, and his B.A. from Western Michigan University. Mr. Monteith is a member of the CFA Society Vermont.</image:caption>
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  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/vaishal-patel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-29</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/51b6f808-d8dc-457d-b586-4a72c7f0671a/Vaishal+Patel.jpg</image:loc>
      <image:title>Leadership - Vaishal Patel - Vaishal Patel</image:title>
      <image:caption>FP&amp;A &amp; Corporate Accounting Mr. Patel joined Obra Capital in 2022 and serves as Managing Director of FP&amp;A and Corporate Accounting. Prior to joining Obra, Mr. Patel worked at Marsh McLennan, where he served as Financial Director and oversaw the FP&amp;A process for the regional East Market of Mercer. Before Marsh McLennan, Mr. Patel spent 17 years at Credit Suisse, most recently as Deputy Chief Financial Officer of the Alternatives Division, a $100bn+ AuM platform covering multiple business lines, including Hedge Fund, Private Equity, Credit, and Structured Products. Mr. Patel graduated from the State University of New York at Buffalo with a B.S. in Business Administration and a B.A. in Economics. He earned his M.B.A. from NYU Stern School of Business.</image:caption>
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  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/jose-rodriguez</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/6f86e638-fe61-43b2-9bd0-fde8c67d11b4/Jose+Rodriguez+-+Skyline+copy.png</image:loc>
      <image:title>Leadership - Jose Rodriguez, CFA - Jose Rodriguez, CFA</image:title>
      <image:caption>Operations Mr. Rodriguez is a Managing Director and Head of Operations for Obra Capital.  Prior to joining Obra in 2022, Mr. Rodriguez worked at Sculptor Capital Management (formerly known as Och-Ziff) for over 6 years, where he most recently served as Head of Structured Credit and CLO Operations.  In this role he was responsible for all operational processes globally related to the Structured Credit and CLO businesses including maintenance of books and records along with various reporting functions.  He was also involved in the monthly valuation process for these businesses. Prior to this, Mr. Rodriguez held several positions at Deloitte &amp; Touche and Goldman Sachs in varying structured credit and valuations-related functions. Mr. Rodriguez earned a B.S. in Finance from Lehigh University, and an M.B.A. in Business and Finance from New York University, Stern School of Business.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/matt-roesler</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/86265501-0e55-4b67-85fe-428248dfe055/Matt+Roesler.jpg</image:loc>
      <image:title>Leadership - Matt Roesler - Matt Roesler</image:title>
      <image:caption>MULTI-SECTOR CREDIT Mr. Roesler is a Senior Managing Director and Head of Multi-Sector Credit for Obra Capital. Before joining Obra in 2022, Mr. Roesler was a Partner and Portfolio Manager at Apollo Global Management. He was responsible for synthetic structured credit investing, solutions, capital relief transactions, and secured financing. He was also a voting member of Apollo’s structured credit investment committee responsible for all CLO, ABS, and esoteric corporate structured credit investments. Previously, Mr. Roesler was a Director at Citigroup on the Credit Correlation desk, responsible for all risk management and bespoke asset origination and trading. Before Citigroup, he began his career at Deutsche Bank in a variety of transaction management and fixed-income structuring seats. Mr. Roesler graduated from the College of New Jersey with a B.S. in Finance.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/vlad-sorokulov</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1717deb1-d280-4dac-9845-2fe6ddd93c98/Vlad+correct+photo.jpg</image:loc>
      <image:title>Leadership - Vlad Sorokulov - Vlad Sorokulov</image:title>
      <image:caption>PORTFOLIO MANAGEMENT &amp; PRICING Vlad Sorokulov is a Managing Director of Portfolio Management and Pricing. Vlad brings over 20 years of experience in insurance and longevity investing. Prior to joining Obra, Vlad served as a Principal at Jade Mountain Partners, where he oversaw the valuation process of the portfolios exceeding $1 billion in assets under management. His role involved designing advanced financial models, developing rigorous buying risk criteria, and implementing sophisticated pricing strategies. Vlad was also deeply engaged in client relations, deal origination, and risk management. Mr. Sorokulov's previous roles include serving as an Independent Advisor, where he managed life settlement portfolios with over $11 billion in death benefits, the former Marinoff Advisory Services, where he was responsible for ongoing pricing and servicing of over $1 billion of life settlements, and as the Director of Quantitative Services at BAC Structured Life Group. His career began in Ukraine, where he led actuarial departments and developed insurance products and strategies for p&amp;c and life insurance companies. Mr. Sorokulov holds an MBA in finance from Auburn University in Alabama and an M.S. in Statistics from Taras Shevchenko National University of Kyiv in Ukraine.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/steve-xin</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/cbd0edb1-6550-40f7-8636-f37e982149b1/Steve+Xin.jpg</image:loc>
      <image:title>Leadership - Steve Xin - Steve Xin</image:title>
      <image:caption>STRUCTURED CREDIT Mr. Xin is a Managing Director, Structured Credit for Obra Capital. Prior to joining Obra in 2023, Mr. Xin was a Vice President at BNP Paribas (“BNP”) where he was responsible for running the index tranche market making business in the U.S. Prior to BNP, Mr. Xin was a Principal at Apollo Global Management (“Apollo”) focusing on synthetic structured credit investing and capital relief transactions. Before Apollo, Mr. Xin began his career at Citigroup in a variety of fixed income proprietary trading and quantitative analysis roles. Mr. Xin graduated from the Carnegie Mellon University with a B.S. in Computer Science.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/stephen-kirkwood</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/7de00be5-248c-47b0-a2cc-94d592b8c565/Kirkwood_Stephen_1200x1500_27.jpg.jpg</image:loc>
      <image:title>Leadership - Stephen Kirkwood - Stephen Kirkwood</image:title>
      <image:caption>CHIEF LEGAL OFFICER &amp; CHIEF COMPLIANCE OFFICER Mr. Kirkwood is a Senior Managing Director and the Chief Legal Officer &amp; Chief Compliance Officer of Obra Capital. Prior to joining Obra in 2019, Mr. Kirkwood served as the EVP, Chief Legal and Compliance Officer, and Corporate Secretary for the nation’s largest direct purchaser of consumer future cash flows backed by insurance company obligations. He was responsible for the company’s legal, compliance, and regulatory matters, including handling a broad range of M&amp;A and capital markets transactions, risk analysis matters, compliance, and corporate governance items. In addition, he led the legal and compliance efforts taking the company through its initial public offering on the New York Stock Exchange, and he managed the ongoing SEC, NYSE, and OTC marketplace reporting and compliance requirements. Mr. Kirkwood graduated from Union College in 1992 and Albany Law School in 1995.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/brett-lipsky</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/2f6038da-01aa-46f7-968e-958dc458ce8a/Brett+Lipsky+-+Skyline+copy.jpg</image:loc>
      <image:title>Leadership - Brett Lipsky, CFA - Brett Lipsky, CFA</image:title>
      <image:caption>CHIEF FINANCIAL OFFICER Mr. Lipsky is the Chief Financial Officer of Obra Capital. He is also a Senior Managing Director and a member of the firm’s Executive Team.  Prior to joining Obra in 2023, Mr. Lipsky was the Chief Operating Officer and Chief Financial Officer for Saluda Grade.  Before that he spent 14 years at KLS Diversified Asset Management, serving ultimately as the Chief Operating Officer and Chief Financial Officer.  At KLS, Mr. Lipsky was a member of the Investment Committee, Risk Committee and led the Finance and Control Group in building out their infrastructure and reporting capabilities.  Earlier in his career, Mr. Lipsky held various roles at Centerlight Capital Management LLC and Archeus Capital Management LLC.  He began his career in Transaction Advisory Services at Ernst &amp; Young LLP.  Mr. Lipsky earned a BBA, with an emphasis in Finance and Accounting, in 2003 from the Stephen M. Ross School of Business at the University of Michigan. He is a CFA charter holder and a current member of NYSSA.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/greg-nicolls</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/3dfd8553-4c7e-4ac6-90e9-36e30269e6eb/Greg+Nicolls.jpg</image:loc>
      <image:title>Leadership - Greg Nicolls - Greg Nicolls</image:title>
      <image:caption>BUSINESS DEVELOPMENT &amp; INVESTOR RELATIONS Mr. Nicolls joined Obra Capital in April of 2022. Mr. Nicolls serves as Senior Managing Director and Head of Business Development &amp; Investor Relations, focusing on developing strategic relationships with investors and consultants. Mr. Nicolls brings over 15 years of industry experience to Obra. Prior to Obra, he worked at AIG First Principles, where he served as Managing Director, Business Development, serving institutional clients across private credit, public credit, real estate, and multi-asset solutions. Before AIG, he worked at The Cambridge Strategy, most recently as Global Head of Marketing &amp; Investor Relations. Mr. Nicolls has held additional leadership positions at Evercore Partners, WisdomTree Asset Management, and Fidelity Investments. Mr. Nicolls earned a B.A. in History with a concentration in Constitutional &amp; Business Law from Muhlenberg College.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/melissa-randall</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/3c25f05e-f3f0-43fa-a086-a968af1066ba/Melissa+Randall.jpg</image:loc>
      <image:title>Leadership - Melissa Randall - Melissa Randall</image:title>
      <image:caption>Chief Human Resources Officer Melissa Randall is a Senior Managing Director and the Chief Human Resources Officer of Obra Capital. Mrs. Randall has a deep track record of building scalable, high-impact human resources functions across asset management and private equity organizations. Prior to joining Obra in 2025, Mrs. Randall served as Global Chief Human Resources Officer for Waterfall Asset Management where she formalized internal HR processes for the specialty finance-focused alternative investment manager. Prior to Waterfall, Mrs. Randall was Head of Talent at Siris Capital Group, where she oversaw all human resources and administrative functions across the private equity firm and provided support to portfolio company teams on HR issues as needed. Earlier in her career, she held senior roles at Cognizant including Director of Global Talent and Transformation and Head of Onboarding and Engagement for the Americas, where she supported multiple M&amp;A integrations and workforce transformation initiatives. She later served as the Lead Human Resource Business Partner for the North America Consulting practice. Mrs. Randall holds a B.S. in Family Studies from the University of Maryland, an M.A. in Organizational Behavior from Fairleigh Dickinson University and an M.S.W. from Fordham University. She also holds multiple professional assessment certifications, enabling her to apply data-driven insights to leadership development, talent selection and organizational effectiveness initiatives.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/genna-zaiman</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/50dc0b0a-477b-40be-aa68-0568ea58022b/Genna.jpg</image:loc>
      <image:title>Leadership - Genna Zaiman - Genna Zaiman</image:title>
      <image:caption>Real Estate Origination Genna Zaiman is Managing Director, Real Estate Origination for Obra Capital. She brings over 20 years of experience in the commercial real estate sector, with deep understanding in originating and structuring nationwide debt transactions, joint venture equity investments, and distressed debt acquisitions. Prior to joining Obra Capital, Ms. Zaiman spent 18 years at Silver Point Capital, where she served as a Managing Director and led the firm’s commercial real estate originations. Earlier in her career, she worked at Citigroup. Ms. Zaiman holds a B.A. from The George Washington University.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/category/Managing+director</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/category/Senior+managing+director</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/tag/Structured+Credit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/tag/Real+Estate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/tag/Longevity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/tag/Insurance+Special+Situations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/obra-leadership/tag/Operations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/strategies</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-02-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1668697410172-YK4ETS1ZYH1HW4W2YQZC/color-02.jpg</image:loc>
      <image:title>Strategies Overview</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1669377532355-RH2FRTM4X3OQ9RQMM6YZ/chris-barbalis-85hDZacxqWE-unsplash.jpg</image:loc>
      <image:title>Strategies Overview</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1673043129516-782UAMKW1YKIFLAMOC4O/5D298166-1302-4411-B74E-D85ABA7B6F7B.jpg</image:loc>
      <image:title>Strategies Overview</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/f97aa5d2-eb15-44cd-b0ef-5c53489606c7/taylor-heery-XHUxtHoK4c0-unsplash.jpg</image:loc>
      <image:title>Strategies Overview - Sourced opportunities</image:title>
      <image:caption>Obra leverages its extensive network of relationships across markets to source prospective transaction opportunities.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/b0671477-955e-452d-a94e-e2c048a6d882/jud-mackrill-wWK72o_zUkI-unsplash.jpg</image:loc>
      <image:title>Strategies Overview - In-house due diligence</image:title>
      <image:caption>Once opportunities are identified, a fundamental, value-oriented due diligence process is employed, including but not limited to the following: • Investment and industry analysis • Fundamental risk assessment • Optimal deal structure • Counterparty/manager assessment • Structural analysis • Legal and compliance checks</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/19a902cc-7737-46ca-9144-b717f69bfa47/andrea-davis-1f8OGhDKqUI-unsplash.jpg</image:loc>
      <image:title>Strategies Overview - Comprehensive structuring</image:title>
      <image:caption>Once vetted, efforts shift to optimizing returns and mitigating downside risk through nuanced structuring to achieve asymmetric outcome profiles.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/7f1b06c2-1f3a-4a66-9b87-215cfa165a55/s-o-c-i-a-l-c-u-t-1RT4txDDAbM-unsplash.jpg</image:loc>
      <image:title>Strategies Overview - Investment Committee evaluation</image:title>
      <image:caption>Our Investment Committee is comprised of diverse individuals with experience in various capital markets, providing a holistic view of relative value.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/191c8ffc-5e07-497b-a344-df7d4661e8da/ben-o-bro-wpU4veNGnHg-unsplash.jpg</image:loc>
      <image:title>Strategies Overview - Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/f3340595-5a4d-47bb-93e1-c92a68f9408a/jeremy-doddridge-1jEWc28GxVs-unsplash.jpg</image:loc>
      <image:title>Strategies Overview - Credit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1063c5c0-5938-4723-9fbe-790afe213eaf/number-01.png</image:loc>
      <image:title>Strategies Overview - Sourced opportunities</image:title>
      <image:caption>Obra leverages its extensive network of relationships across markets to source prospective transaction opportunities.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/e4354822-8720-4740-9141-b9a19930f1d7/number-02.png</image:loc>
      <image:title>Strategies Overview - In-house due diligence</image:title>
      <image:caption>Once opportunities are identified, a fundamental, value-oriented due diligence process is employed, including but not limited to the following: • Investment and industry analysis • Fundamental risk assessment • Optimal deal structure • Counterparty/manager assessment • Structural analysis • Legal and compliance checks</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/de601130-bb73-4060-b0cc-c1fae38a46f3/number-03.png</image:loc>
      <image:title>Strategies Overview - Comprehensive structuring</image:title>
      <image:caption>Once vetted, efforts shift to optimizing returns and mitigating downside risk through nuanced structuring to achieve asymmetric outcome profiles.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/0765396a-09fa-430f-adc3-4922d0ceff9b/number-04.png</image:loc>
      <image:title>Strategies Overview - Investment Committee evaluation</image:title>
      <image:caption>Our Investment Committee is comprised of diverse individuals with experience in various capital markets, providing a holistic view of relative value.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1669381588426-IIP73F4C7GW6QX15ZM72/hamid-hosseini-PvWyJiBf36Q-unsplash.jpg</image:loc>
      <image:title>Contact</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1669381652948-TVQK3706SOYL40ECIWIU/hayden-hatch-xDPzKd6kM-g-unsplash.jpg</image:loc>
      <image:title>Contact</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/jobs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1669381699317-P0XLTY57M4XXH6JW6H6I/bg-18.jpg</image:loc>
      <image:title>Careers</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/10007-ls3re-r69d4-yxlbw-ht5bk-tjetj-5aajb-lynbg-nmjy8-89gkt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-19</lastmod>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/10007-ls3re-r69d4-yxlbw-ht5bk-tjetj-5aajb-lynbg-nmjy8-d92er</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-03</lastmod>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/10007-ls3re-r69d4-yxlbw-ht5bk-tjetj-5aajb-lynbg-nmjy8-d92er-jax6x</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-20</lastmod>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/10007-ls3re-r69d4-yxlbw-ht5bk-tjetj-5aajb</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-24</lastmod>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/10007-ls3re-r69d4-yxlbw-ht5bk-tjetj</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-21</lastmod>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/10007-ls3re-r69d4-yxlbw</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-26</lastmod>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/10006-phdc7-rzs26-yhrtk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-09</lastmod>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/10001-3c6rd-wenxk-lenax</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-11</lastmod>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/10006-phdc7-rzs26</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-22</lastmod>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/category/Infrastructure+Professionals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/category/Investor+Relations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/category/Investment+Professionals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/tag/Montpelier+VT</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/tag/New+York+%7C+NY</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/jobs/tag/Austin</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.obra.com/leadership</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-01-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1669724485045-UDU5YB5BJT68CO5BOK4B/donny-jiang-42gFAgdIUC8-unsplash.jpg</image:loc>
      <image:title>Leadership</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.obra.com/article</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
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      <image:title>Insurance</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1668697410172-YK4ETS1ZYH1HW4W2YQZC/color-02.jpg</image:loc>
      <image:title>Insurance</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1668697410172-YK4ETS1ZYH1HW4W2YQZC/color-02.jpg</image:loc>
      <image:title>Insurance</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1733482275522-P8PF6EVKOOEYITYULZV2/chalo-gallardo-1nIv7riozOY-unsplash.jpg</image:loc>
      <image:title>Insurance</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1737054813016-7FFGRC8ZWXAMID79JLPL/ben-o-bro-wpU4veNGnHg-unsplash.jpg</image:loc>
      <image:title>Insurance</image:title>
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    <image:image>
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      <image:title>Insurance</image:title>
      <image:caption />
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    <image:image>
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      <image:title>Insurance</image:title>
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    <image:image>
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      <image:title>Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/d1ee7143-d19d-4388-9671-2eb0703c2c91/strip-yellow.jpg</image:loc>
      <image:title>Insurance - Longevity Risk</image:title>
      <image:caption>Life settlements Longevity swaps Annuity blocks</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/503617e6-cca6-4367-bdb8-3ee4fce43f15/strip-yellow.jpg</image:loc>
      <image:title>Insurance - Portfolio Balance</image:title>
      <image:caption>Balance between longevity and mortality risk More consistent offsetting cash flows Lower volatility</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/e76a91b5-7dfb-462a-9911-d12507c86f5a/strip-yellow.jpg</image:loc>
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      <image:caption>Closed block life insurance Mortality swaps Life contingent structured settlements</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/21de6801-3dd1-43eb-a924-dfa539d35cb5/sebastiaan-stam-fZVE8W3Bd8g-unsplash.jpg</image:loc>
      <image:title>Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1669305844493-HNLSJM1B5KMDVIW74M9L/empty-02.png</image:loc>
      <image:title>Insurance - Asymmetric</image:title>
      <image:caption />
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1669305844493-HNLSJM1B5KMDVIW74M9L/empty-02.png</image:loc>
      <image:title>Insurance - Non-Correlated</image:title>
      <image:caption />
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1669305844493-HNLSJM1B5KMDVIW74M9L/empty-02.png</image:loc>
      <image:title>Insurance - Customized</image:title>
      <image:caption />
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1669305844493-HNLSJM1B5KMDVIW74M9L/empty-02.png</image:loc>
      <image:title>Insurance - Highly Complex</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1669305844493-HNLSJM1B5KMDVIW74M9L/empty-02.png</image:loc>
      <image:title>Insurance - Underbanked</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1669305844493-HNLSJM1B5KMDVIW74M9L/empty-02.png</image:loc>
      <image:title>Insurance - Overlooked</image:title>
      <image:caption />
    </image:image>
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    <changefreq>daily</changefreq>
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      <image:title>Credit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1668697410172-YK4ETS1ZYH1HW4W2YQZC/color-02.jpg</image:loc>
      <image:title>Credit</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1668697410172-YK4ETS1ZYH1HW4W2YQZC/color-02.jpg</image:loc>
      <image:title>Credit</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63761be53f357a2bce5fbee8/1668697410172-YK4ETS1ZYH1HW4W2YQZC/color-02.jpg</image:loc>
      <image:title>Credit</image:title>
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      <image:title>Credit</image:title>
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      <image:title>Credit</image:title>
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