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John Abraham - CHIEF CREDIT OFFICER in San Diego, USA

John Abraham

Executive Credit Risk Leader specializing in underwriting and lending portfolio management

Founders First Capital PartnersAuckland University of TechnologySan Diego, USA21 Years ExperienceExecutive Level

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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.

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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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Experience

CHIEF CREDIT OFFICERFounders First Capital Partners · Oct 2023 – Present
DIRECTOR OF UNDERWRITING & CREDIT RISKForwardline Financial LLC · Dec 2019 – Oct 2023
UNDERWRITER AND COMPLIANCE MANAGER1st Merchant Funding LLC · Feb 2016 – Nov 2019
UNDERWRITING MANAGERRapid Financial Services · Aug 2014 – Feb 2016
SENIOR UNDERWRITEROn Deck Capital · Jan 2011 – Aug 2014
SENIOR MORTGAGE CONSULTANT & LOAN OFFICEREmpire Financial Services, Inc · Jan 2010 – Jan 2011
BROKER RELATIONSHIP OFFICERANZ National Banking Group · Jul 2008 – Jun 2009
SENIOR LENDING SPECIALISTGeneva Financial LLC · Aug 2005 – Jun 2008
ACCOUNT MANAGERPacific Retail Finance · Jun 2004 – Aug 2005
ASSISTANT HR PROJECT COORDINATORFarmer's Trading Co. LTD · Jan 2003 – May 2004

Education

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

Languages

English

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Connect with John

John already has a relationship with Reval, so a warm intro from us gets a much better response than cold outreach.

Typically responds within 24 hours

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Hire with Reval

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John AbrahamExecutive Credit Risk Leader specializing in underwriting and lending portfolio management