I turn complex, high-stakes problems into fast, well-structured decisions — balancing risk against real commercial upside.
Currently a Credit Analyst III at GoCardless, making independent, high-value risk decisions on complex accounts. Analytical by training, commercial by instinct — and always up for a new challenge.
I'm an analyst and decision-maker who has built a career in credit and risk — making high-value calls on complex, high-stakes cases. At GoCardless I earned £500,000 in sanctioning authority within three months, and I now make independent decisions on some of the platform's most complex accounts, defining the conditions that make them work.
Before that, at Selina Finance, I was promoted to a £100,000 lending mandate faster than any of my peers and delivered credit decisions in under an hour against a 24-hour SLA. I lean on structured decision frameworks and ratio analysis — liquidity, gearing, cash-flow stability — and I'm as comfortable explaining the rationale to sales and commercial teams as I am scrutinising a set of accounts.
I hold a Merit MSc in Management from Lancaster, speak English, Cantonese and Mandarin fluently, and manage my own equities and crypto portfolio on the side. The core of what I do — structured thinking, sound judgement under pressure, and clear communication — travels well beyond any one industry, and I'm always open to putting it to work on a new kind of challenge. Outside work, you'll usually find me under a barbell or in the pool.
Structured, ratio-driven decisions on complex, high-risk merchants.
Tracking financials, payment metrics and early-warning signals to catch deterioration early.
Translating credit rationale for sales, commercial and risk teams.
Swum in 23 days to fund a village in Tanzania — a self-set challenge pairing sustained discipline with real social impact.
A bench press built over two years of consistent training. Progress compounds when you respect the process.
Half a decade in a team — comfortable under pressure and reliable when it counts.
A self-managed equities and crypto portfolio, blending long-term value investing with active, risk-managed trading.
Always happy to connect — about a role, a project, an idea, or just to talk shop. The best place to reach me is on LinkedIn.