Michelle He, PhD, CFA

Energizer
DISC Type : I

Co-founder and COO at Abound

London, England, United Kingdom

Overview

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.

Personality Overview

Imaginative

Big Picture Person

Enthusiastic

They are not always early adopters but can be pursuaded by leveraging strong relationships.  They are people oriented, friendly and like creating new connections. They are naturally enthusiastic, so take their promise with a pinch of salt.

Topics They Care 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.
Business Scaling
As COO, she led Abound to profitability within three years and secured over £1. 3 billion in funding to scale the business and its technology.

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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Dr Michelle He - Co-Founder & COO, Abound - London Tech Week. Featured in London Tech Week

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Work History

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

Education

2003 - 2007
PhD from National University of Singapore

More Information

Social Presence :

Prographics :

Exp : 18 Location : London, England, United Kingdom Job Level : Leadership Designation : Co-founder and COO at Abound
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Insights For Selling To Michelle

During A Call Or A Meeting

DO's

  • Use phrases like ‘people will love’, ‘massive impact’ etc.
  • Invite them for a lunch or a drink/coffee
  • Use adjectives like ‘amazing’, ‘coolest’, ‘unbelievable’ etc.

DONT's

  • Don’t push them to make a decision too fast, let them get comfortable first
  • Avoid overloading them with too much detail
  • Avoid cutting into their flow

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Michelle is

  • Relationship and trust can be vital with them, sometimes more than anything else.
  • Will you ever get a clear answer from Michelle

  • They are unlikely to say no directly, you have to make that decision yourself.

Insights For Deal Planning

    How fast (or slow) will Michelle move?

  • They are not the fastest decision makers, their friendly approach can give false positive signals.
  • Can Michelle take some risk or not?

  • They can take certain risks that are unlikely to have personal consequences.

You And Michelle

Personality Compatibility


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