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John Abraham

Executive Credit Risk Leader specializing in underwriting and lending portfolio management

San Diego, USACHIEF CREDIT OFFICER21 years experienceExecutiveFinancial ServicesFinTechCommercial Lending
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About

Operations leader with deep fintech/lending startup experience (OnDeck Capital, 1st Merchant Funding, ForwardLine, Founders First) building end-to-end underwriting-to-portfolio operations, compliance, and supporting functions like sales/marketing. Known for scaling teams and automating repeatable work—citing growth from ~$3MM to ~$20MM in 2 years—while implementing systems like Salesforce/QuickSight and helping build proprietary funding and portfolio management software. Also provides structured part-time advisory support with clear scope/cadence, including helping set up a global finance company based in Argentina.

Experience

CHIEF CREDIT OFFICERFounders First Capital Partners
DIRECTOR OF UNDERWRITING & CREDIT RISKForwardline Financial LLC
UNDERWRITER AND COMPLIANCE MANAGER1st Merchant Funding LLC
UNDERWRITING MANAGERRapid Financial Services
SENIOR UNDERWRITEROn Deck Capital
SENIOR MORTGAGE CONSULTANT & LOAN OFFICEREmpire Financial Services, Inc
BROKER RELATIONSHIP OFFICERANZ National Banking Group
SENIOR LENDING SPECIALISTGeneva Financial LLC
ACCOUNT MANAGERPacific Retail Finance
ASSISTANT HR PROJECT COORDINATORFarmer's Trading Co. LTD

Education

Auckland University of Technologymaster, Management / Finance
Auckland University of Technologybachelor, Microbiology / Food Technology

Key Strengths

  • Built and optimized end-to-end lending operations from underwriting through funding and post-funding portfolio management at startups
  • Scaled underwriting/fraud/risk/portfolio teams from 2 to ~30 and transitioned processes from manual to automated
  • Drove growth from ~$3MM to ~$20MM over 2 years through operational automation and process redesign
  • Introduced prioritization and cross-functional accountability via a RACI-style matrix
  • Implemented ops/reporting tooling (Salesforce, Amazon QuickSight, LexisNexis, Plaid, Codat) and helped build proprietary funding/portfolio software
  • Effective change management approach (bottom-up discovery, segmented rollout, training/hand-holding as needed, ongoing QA and feedback loops)
  • Advises founders/executives by shadowing workflows, prioritizing critical initiatives, and coaching time management with candid feedback

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Contact

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Languages

English

Skills

LeadershipStrategyOperations LeadershipOperations ManagementTeam LeadershipTalent DevelopmentCross-functional CollaborationStrategic PlanningStrategic ExecutionChange ManagementTurnaround StrategyMulti-site Operations ManagementGlobal Operations ManagementProject PlanningProject Management