Michelle He
Dr. Michelle is the co-founder and COO of Abound, a London-based Fintech that uses Open Banking data and AI to expand access to affordable loans. With a PhD in AI and a decade of professional career in credit, Michelle is motivated by a simple belief: financial systems should reflect real people, not outdated proxies. That drive comes from personal experience. After moving to the UK, Michelle was unable to access credit despite having a strong financial profile, which exposed the limitations of traditional credit scoring.
Abound’s proprietary AI-driven cash flow underwriting has reduced default rates by ~70% while expanding access to fair credit.
Abound is profitable, high-growth fintech grounded in deep technology, with over £2bn in lending delivered to date, and was recognised as the UK’s fastest-growing technology company in this year’s Sunday Times 100 Tech.