Jay Bray CEOJay Bray
Chairman & Chief Executive Officer

Jay Bray serves as the Chairman and Chief Executive Officer of Mr. Cooper Group. Jay has also served in various leadership roles at Nationstar since joining the company in 2000.

Jay has more than 25 years of experience in the mortgage servicing and originations industry. From 1988 to 1994, he worked with Arthur Andersen in Atlanta, Georgia, where he served as an audit manager from 1992 to 1994. From 1994 to 2000, Jay held a variety of leadership roles at Bank of America and predecessor entities, where he managed the asset backed securitization process for mortgage-related products, developed and implemented a secondary execution strategy and profitability plan and managed investment banking relationships, secondary marketing operations and investor relations. Additionally, Jay led the portfolio acquisition, pricing and modeling group at Bank of America.

He holds a B.A.A. in Accounting from Auburn University and is a Certified Public Accountant in the State of Georgia.

Christopher Marshall 
Vice Chairman & President

Christopher Marshall serves as Vice Chairman and President of Mr. Cooper Group. Chris joined Mr. Cooper in January 2019 from Tax Guard Inc. where he served as Executive Chairman. Previously he was with Capital Bank Financial Corp. where he served as co-founder and CFO since 2009. Through his leadership, Capital Bank grew from a start-up business to $10 billion in assets and was sold for $2.2 billion. Chris also successfully led the company through its IPO as well as the acquisition and integration of eight community banks.

Previously, Chris served as Chief Restructuring Officer and Senior Advisor to the CEO at GMAC, Inc., now Ally Financial, Inc. He also served as an advisor to The Blackstone Group L.P. providing advice and analysis for potential investments in the banking sector. From 2006 through 2008, Chris served as CFO at Fifth Third Bancorp. Prior to that, Chris served in various senior leadership roles at Bank of America Corporation, Honeywell International Inc., AlliedSignal Technical Services Corporation and TRW, Inc.

Chris holds a B.S. in Finance from the University of Florida and an M.B.A. from Pepperdine University.

Kelly Ann Doherty
EVP and Chief Administrative Officer

Kelly Ann serves as EVP and Chief Administrative Officer for Mr. Cooper Group overseeing all facets of human resources, brand, corporate communications, customer relations, diversity and inclusion, employee events and programs, facilities, procurement and security.  As a strategic leader in the organization, she leads the company’s culture initiatives to create an encouraging and empowering work environment and partners closely with core business leaders to ensure we take a customer-first approach.

Kelly Ann is seasoned in navigating the landscape of the financial services industry.  She joined the company in 2016 as Senior Vice President of Corporate Communications where she led the corporate internal and external repositioning as the company rebranded from Nationstar to Mr. Cooper, while simultaneously managing the company’s public affairs narrative, employee communications and the merger with WMIH. Through varying leadership roles in the financial services sector, Kelly Ann has served as a crisis spokesperson, public affairs expert, communications innovator and executive counselor. 

Previously, she served as Vice President of Corporate Communications at Elevate, a financial technology firm. She also served as a public relations and affairs consultant for four years and as a strategic communication staffer for a Presidential campaign and within President George W. Bush’s administration with a tour at the White House in Presidential Personnel and N.A.S.A. as a political appointee.

Kelly Ann holds a B.A. from George Washington University in International Media and Communications. 

Ethan Elzen
EVP, Business Development and Operational Finance

Ethan Elzen serves as Executive Vice President, Business Development and Operational Finance, overseeing the company’s line of business operations finance groups in addition to identifying and executing new business opportunities as part of Mr. Cooper’s growth strategy. Ethan is also responsible for Mr. Cooper’s corporate development activities providing planning, advisory and execution leadership on acquisitions and strategic partnerships. Ethan joined Mr. Cooper Group in May 2020 and most recently served as SVP Finance and Corporate Development. Ethan previously served as the Chief Financial Officer for Mr. Cooper’s Originations business as well as the Chief Financial Officer of Xome.

Ethan has more than 20 years of experience in the financial services industry with a specific focus on mortgage, commercial banking and mergers and acquisitions. Prior to joining Mr. Cooper Group, Ethan served as President for Colorado Federal Savings Bank and previously held key leadership and senior advisory roles for Provident Funding Associates, UBS Investment Bank and Ally Financial. Ethan began his career at Bank of America where he gained experience in investment banking, treasury, corporate finance and merger integrations.

Ethan holds a B.S. in Business Administration with a concentration in Finance and Banking from Appalachian State University. 

Angela Greenfeather
EVP and Chief Human Resources Officer

Angela Greenfeather serves as Executive Vice President and Chief Human Resources Officer for Mr. Cooper Group where she oversees all facets of human resources including employee relations, HR business partners, talent acquisition, learning and talent development, total rewards, people operations and analytics. Angela joined the company in May 2015 most recently serving as Senior Vice President, Enterprise HR. Angela’s career spans more than 20 years, including senior leadership roles at Travelocity and Sabre Corporation. During her time at Sabre, Angela served in many HR roles including talent acquisition, learning and development, compensation and HR business partners. During her time at Travelocity, Angela was responsible for driving a people strategy that galvanized a highly-engaged team member experience in the U.S., Argentina, India and Poland. Angela is a strategic leader and works to elevate and strengthen the relationships between HR and the business by being a bold advocate of the company’s culture and people.

Angela received her HR management education from Southern Methodist University and graduated from the CHRO program at Cornell University. She holds multiple certifications in executive coaching, leadership assessments, and HR and talent management.

Kurt Johnson
EVP and Chief Financial Officer

Kurt Johnson serves as Executive Vice President and Chief Financial Officer for Mr. Cooper Group. With 25 years in the mortgage-banking industry, Kurt has extensive experience in Originations, Servicing, Treasury, Portfolio Management and Financial Planning.

Kurt has served in various leadership roles across Mr. Cooper Group. After joining the company in 2015 he helped establish a compliance control infrastructure in Originations and supporting change management for the business. He also was heavily involved in the 2018 merger of WMIH Corp. and Nationstar Mortgage Holdings Inc., ultimately forming Mr. Cooper Group as it operates today. In his time with the company, Kurt also led Servicing transformation efforts overseeing a multi-year initiative to bring technology and process enhancements to the servicing platform. In 2019, Kurt became the company’s Chief Credit Officer responsible for setting all Credit Risk related policy and governance before being promoted to Chief Risk and Compliance Officer in early 2021. In 2023, Kurt took on his current role as Chief Financial Officer.

Prior to joining the Mr. Cooper team, Kurt spent six years as Executive Vice President at OneWest Bank, leading the organization’s residential, single-family portfolio. During his time, Kurt provided financial oversight of the portfolio including forecasting and management of the business’ balance sheet and establishing strong relationships with external auditors.

In the 15 years prior to joining OneWest Bank, Kurt focused his career on the Financial, Planning and Analysis segments with roles at First Interstate Bank and Wells Fargo. He later expanded his experience, joining IndyMac in 2000 as the head of Mergers and Acquisitions before elevating to lead the Portfolio Management Group. During his time with IndyMac, Kurt was responsible for analyzing and decision-making for mortgage-backed security acquisitions and sales as well as managing financial forecasts and projections.

Kurt holds a bachelor’s degree in Mathematics and Economics from Occidental College and a master’s degree in Business Administration with an emphasis in Finance from Cornell University.

Jay Jones
Executive Vice President, Servicing

Jay Jones serves as Executive Vice President of Servicing for Mr. Cooper Group, overseeing the Mr. Cooper mortgage servicing organization. Prior to this role, he held various key leadership roles in other organizations, strategically guiding mortgage servicers through the ever-changing industry landscape. He served as Executive Vice President and Chief Strategy Officer for Celink and as Executive Vice President at CIT Bank, where he led the Residential Servicing Operations Division. Jay has more than 25 years of experience in the mortgage industry with responsibilities ranging across a variety of functions including leading and managing capital marketing, analytics, credit management, servicing and special servicing.

 Jay holds a B.S. in Business Administration from California State University, Northridge.


Snezhina Panova-Bakri
Chief Audit Officer

Snezhina Panova-Bakri serves as Senior Vice President and Chief Audit Officer for Mr. Cooper Group, overseeing the company’s internal audit function assessing business and financial risks for the company. Snezhina joined Mr. Cooper in June 2020 serving as VP, Accounting Policies and Internal Controls and most recently as VP, Controller.

Snezhina has more than 12 years of experience focused on organizational internal controls, management and preparation of public filings and various accounting functions. Prior to joining Mr. Cooper Group, Snezhina served as the Head of Financial Reporting and Internal Controls for MoneyGram International, and before that, she was with UnitedHealth Group, serving primarily on their Financial Reporting and Accounting Policies teams. 

Snezhina holds a B.S. in Accounting and a master’s degree in Business Administration from Saint Cloud State University, and she is a Certified Public Accountant.

Christine Paxton
Chief Risk & Compliance Officer

Christine serves as the Chief Risk and Compliance Officer for Mr. Cooper Group, overseeing risk management and regulatory compliance for the organization. Christine joined the company in March 2023 with nearly 20 years of leadership experience in the financial services sector with an extensive background in the mortgage industry, including key leadership roles at Mr. Cooper Group over the years.

Prior to her current role at Mr. Cooper Group, Christine served as Senior Vice President of Control Management at Wells Fargo, where she built and led a team that developed and maintained a strong control environment and mitigated risk for the home lending and servicing business. Before that, Christine served as Senior Vice President of Enterprise Risk at Mr. Cooper Group where she enhanced process controls around regulatory, investor and operational requirements for the organization and also established the corporate enterprise risk management framework for broad visibility of risk factors to ensure deliberate, informed decisions in the company’s approach to risk. Christine also served in leadership roles at Capital One, MCG Mortgage and Citi.

Christine holds a B.S. in Management from Bellevue University.

Carlos M. Pelayo
EVP and Chief Legal Officer

Carlos Pelayo serves as Executive Vice President and Chief Legal Officer for Mr. Cooper Group, overseeing the organization’s Legal department ​and corporate governance activities ​as the company’s general counsel. Carlos joined the company in February 2023 with more than 20 years of experience in the legal field. 

Carlos has extensive expertise in financial services and regulatory compliance, ​including most recently serving ​as Managing Director and Legal Executive for Merrill Lynch Wealth Management, a division of Bank of America. In this role, Carlos was senior counsel to front-line business leadership with responsibility for providing day-to-day legal, regulatory and strategic advice to all client-facing areas of the business​, including the​ international, institutional and ultra-high-net-worth segments. Pr​ior to Merrill​, he served as Managing Director and General Counsel for Barclays’ investment-driven private banking business in the Americas. ​Earlier in his career​, he worked in a private law practice​, ​served as a law clerk​ and before law school, he worked as a management consultant with a global advisory firm.​ 

Carlos holds a Juris Doctor degree from the University of Pennsylvania, a master​’s​ ​degree ​in Law and Diplomacy from The Fletcher School at Tufts University​,​ and a bachelor’s degree with honors from Boston College.

Michael Rawls
Executive Vice President & Chief Executive Officer, Xome

Mike Rawls serves as Executive Vice President & Chief Executive Officer of Xome. Prior to joining Xome in 2020, Mike served as the Executive Vice President of Servicing for Mr. Cooper Group, where he held operational responsibility for the company’s entire servicing portfolio. Since joining the company in 2000, Mike has served in several leadership positions including as President of Champion Mortgage and senior roles in the company’s originations channels.

Previously, Mike held leadership roles at Banc One Financial Services from 1997 to 1999 and at Household Financial Services from 1991 to 1997.

Mike received a B.A. in Business Management from Virginia Wesleyan College.

Sridhar Sharma
Executive Vice President & Chief Information Officer

Sridhar Sharma is Executive Vice President and Chief Information Officer for Mr. Cooper Group, where he is responsible for applications and technology operations. Sridhar joined Nationstar in 2015 in the same role.

Sridhar has nearly 20 years of experience leading technology and product engineering functions. He previously served as the Chief Technology Officer for Ugam Solutions in Dallas. Before that, he was the Chief Evangelist and Architect for the Products and Platforms group at Infosys.

Sridhar earned a B.S. in Electronics and Communication Engineering from the University of Mysore, India, and a M.B.A. degree from Cornell University in New York.

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