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Curve Q&A: Eleanor Demuth, Risk Director (Credit)

17 Feb 2022
2 min read

Describe your job as if you were writing a ‘for dummies’ guide.

Wow, that's tricky. Mostly I think about the customer experience of credit and how we can improve upon it, but we also have to consider the financial and other risks involved.

For example, we don't want to lend money only to find that customers cannot afford to repay it, or that the experience itself causes them to feel badly about Curve as a whole. I also have to plan resourcing and monitor compliance and legal risks.

How did you get to where you are now? (The highs, the lows and everything in between)

I studied both physics and psychology at university and then worked (in order) for a debt purchaser, a credit card company, a big 4 consultancy, a bank and then Curve. There were good and bad aspects to all of these but I have concluded that the people are everything.

What’s your proudest moment at Curve so far?

The day we got our FCA permission for regulated lending.

What do you think is the biggest problem fintech needs to solve right now?

The assumption that "people in general" are comfortable using applications for everything.

Describe Curve’s culture in one word

Encouraging

What’s the best piece of career advice you’ve received?

Make yourself useful, even if it's not directly within your remit.

Do you have any advice for anyone struggling to find their dream job?

I would advise people not to look for a dream job but rather a satisfying career - even the most pleasing job may not last forever or may not always be ideal for you as a person. Pursue what interests you and keep in touch with people you have enjoyed working with or admire. Be willing to take sideways steps to gain desirable skills or experience.

Which three things do you need to be happy at work?

Acceptance, flexibility and challenge.

What makes working in fintech so exciting? 

I don't think fintech is itself exciting, but as an emerging financial disruptor I think there is constant development and improvement which pleases me greatly.

What’s your secret talent?

Carpet weaving...

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