Inside Cubefunder with Risk Director, Rich Gardner

Published by: Cubefunder

What’s your role at Cubefunder?

I’m the Risk Director. I work closely with customer services, the Lending Director and the underwriting team. My role is to assess risk. I make decisions on an individual basis, based on risk and information gathered from various key sources.

Describe your typical day?

I ensure that we’re lending to the right people and the quality of our deals. We use a range of information sources to assess the suitability to lend, including Companies House, the Land Registry, bank statements, Google, review websites and credit agencies.  I review all the data with the underwriting team and ensure we get the whole picture of the business before we make a decision to lend.

What do you enjoy about working here?

It’s a really friendly and happy team here and I enjoy the variety of my work. I previously worked for a very large finance company but there was a lack of ‘personal touch’. Here I get to deal with individual cases, take personal ownership and responsibility.

What would you be doing if you didn’t work here?

I’d be working in finance but somewhere else, I guess. I’ve worked in finance since 1990. Though it would be very difficult to find something like this, with the working atmosphere that we have here.

What superpower would you like to have?