Michelle He, PhD, CFA in

Michelle He, PhD, CFA

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Co-founder and COO at Abound
📍 London, England, United Kingdom

Michelle He is the Co-Founder and COO of Abound and Render, a fintech firm transforming consumer lending. With a PhD in AI and over a decade of experience at EY, she leverages Open Banking and machine learning to make credit more accessible. Her work is driven by her personal experience of being deemed "credit invisible".

Outside of her mission to innovate in finance, Michelle is passionate about creating a more inclusive industry and has been recognized for her influence. Her personal interests include hot yoga, kickboxing, and traveling, which provide a balance to her demanding professional life.

Unique fact: Michelles company, Abound, was ranked #1 on The Sunday Times list of the 100 fastest-growing tech companies after achieving 490% annual sales growth.

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Experience
18 Years
Current Role
Co-founder and COO
Job Level
Leadership
Location
London, England, United Kingdom
Personality Overview

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Communication Style
Decision Approach
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Priorities

Topics Michelle cares about

AI in Lending
With a PhD in AI, she co-founded Abound to use machine learning and Open Banking to more accurately assess credit affordability, reducing default rates by over 70%.
Financial Inclusion
Her personal experience of being denied a loan inspired her to create a fairer lending system for those considered "credit invisible" by traditional scoring models.
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Career

Work history

2-2020
Co-founder and COO
Abound
2-2020
Co-Founder
Render
10-2016 - 2-2020
Director
EY
9-2013 - 10-2016
Senior Manager
EY
8-2012 - 9-2013
Manager
Oliver Wyman
In the press

Media appearances

The time has come to modernise lending – Michelle He, Abound. Featured in Apple Podcasts
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FinTech LIVE: Interview with Michelle He, Abound. Featured in FinTech Magazine
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Education
2003 - 2007
PhD
National University of Singapore
Social presence
in
Behavioral profile

DISC profile (public)

DISC behavioral profile

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