Dilcia C. McRoy
Dilcia McRoy is a visionary entrepreneur and financial empowerment leader dedicated to transforming the financial landscape through AI-driven innovation and purpose-led impact. She is the Founder and CEO of Investara Financial and the Founder & CTO of Capira, where she builds systems, tools, and platforms designed to expand financial literacy, strengthen credit health, and create scalable pathways to economic opportunity for individuals, businesses, and communities. Based in Greater Boston, she blends technology, education, and relationship-driven strategy to deliver meaningful, measurable financial transformation.
With over 10 years of experience in the financial services space, Dilcia began her career in the automotive industry, where she progressed from sales to finance manager and ultimately to general manager overseeing multiple dealership stores. During this time, she witnessed a consistent gap in credit and financial literacy, as many customers were often placed into high-interest financing due to limited financial knowledge or lack of access to education. This experience deeply shaped her perspective on financial inequity and reinforced her commitment to understanding people’s financial realities and creating solutions that improve outcomes. After gaining additional experience in tech roles supporting higher education and healthcare, she returned to the automotive industry and saw that these systemic challenges remained largely unchanged—solidifying her decision to take action at a larger scale.
In April 2024, she founded Investara Financial with a mission to bridge the credit and financial literacy gap through education, structured systems, and accessible tools. Her vision is to be a catalyst for change by expanding access to financial knowledge she believes is essential to quality of life, generational wealth, and long-term stability. She is driven by the goal of positively impacting over one million people by reducing financial stress and increasing financial confidence. Through Investara, she has launched initiatives such as Home Unlocked, which partners with mortgage and real estate professionals to guide aspiring homeowners, and Credit Unlocked, which brings structured financial literacy programs into schools, corporations, and nonprofit organizations. In parallel, she is building Capira, an AI-native operational system, and is preparing for its presence at Web Summit in Vancouver in May.
Beyond her professional work, Dilcia deeply values family and enjoys spending time with her husband and their four children. She is also working on her upcoming book, expected to be published in Summer 2026, which reflects her journey, lessons in resilience, and mission to empower others through financial education and personal growth. Grounded in purpose and guided by a commitment to service, she continues to focus on building generational wealth, expanding opportunity, and leaving a lasting legacy of empowerment, access, and systemic change.
• Finance and Insurance Certification (Zurich)
• Honored Listee
Marquis Who's Who
• Non-Profit Certificate - Jaylen D. Berry Foundation
• College coursework in Sociology
• Psychology
• Business
• And International Business (pursuing Associate's degree)
• Currently pursuing Bachelor's degree and MBA
• Pivoting toward Computer Science studies
• Finalist for Business Leadership Excellence Award
• Finance and insurance certified
• Home Unlocked Program - Free homeownership education events partnering with real estate and mortgage brokers
• Credit Unlocked Program - Credit and financial literacy education in schools
• Granger Community Church
What do you attribute your success to?
I attribute my success to having a clear sense of purpose and continually refining my “why.” Inspired by Start With Why by Simon Sinek, I’ve learned that my motivations evolve, but they consistently center on helping others and creating impact. A defining moment in my life was when my daughter was born prematurely at 26 weeks; choosing her over my job shifted my entire perspective and taught me the importance of grace, resilience, and perspective during adversity. Since then, I’ve learned to turn challenges into growth opportunities and use setbacks as motivation to rise higher. My children remain a major driving force, especially in my commitment to building generational wealth and expanding access to opportunity. Ultimately, my success comes from resilience, purpose, and a deep commitment to creating meaningful impact for others.
What’s the best career advice you’ve ever received?
If you can't do the small things, you're not gonna be able to do the big things. So you gotta make sure you also focus on the little things. That was one of the best advice that was given to me by a former supervisor, and that's always stuck to me. This was years ago, so I'm very meticulous with how I do things, and even the smallest things can have an impact.
What advice would you give to young women entering your industry?
Go for it. It's a great industry. I do believe that there are some companies that compete with each other, but I do believe that you stand out when you can collaborate and you guys can work towards a common goal. The only thing that I would say is that if you're coming into this industry, just be passionate about helping people, because that passion is what's really gonna bring change. I would tell them to go for it. We're typically, you know, their one decision, the life that they want is on the other side of that decision that they keep planning going back and forth on. I would definitely say to go for it, to persevere, to give it a thousand percent in anything that you do, because that's how you make lasting change, and that's how you create a ton of impact.
What are the biggest challenges or opportunities in your field right now?
I think the biggest challenge for young women is fear. It's okay to be terrified or be scared when you're about to make a big decision. Fear doesn't mean you're not ready. I think if you have passion and you found it to be part of your purpose, because I do believe that we all have a purpose in life, it's just a matter of us working really hard and doing the work within ourselves to figure out what that is and what our passion is. I would tell them to go for it. Typically, the life that they want is on the other side of that decision that they keep planning going back and forth on.
What values are most important to you in your work and personal life?
The values that are most important to me in both my work and personal life are integrity, impact, access, leadership, family, growth, legacy, empowerment, resilience, and vision. I lead with integrity in everything I do, ensuring honesty, accountability, and consistency guide my decisions and actions. I am deeply motivated by impact, focusing my efforts on work that creates meaningful, measurable outcomes. I value access and empowerment, and I am committed to helping break down barriers so others have the opportunity to grow, succeed, and thrive. Leadership and vision shape how I approach both day-to-day responsibilities and long-term goals, allowing me to move with purpose and clarity. Family keeps me grounded and reminds me of what matters most, while growth drives my continuous pursuit of learning and self-improvement. I also place strong importance on resilience, recognizing that challenges are part of any meaningful journey and that perseverance is essential. Ultimately, I am guided by a commitment to legacy—building work and relationships that create lasting, positive influence beyond myself.