Jan de Vries

Jan is TopPulse's risk analyst and the internal sceptic every platform assessment has to pass. He spent years in credit risk at ABN AMRO before moving to Funding Circle, where he saw a large peer-to-peer loan book through a full cycle, including the part where borrowers stop paying and recovery becomes real work rather than a footnote. That experience makes him hard to impress with a clean-looking dashboard: he focuses on default and recovery history, the quality of a buyback or provision-fund promise, and what actually happens to investor money when a platform or an originator fails. At TopPulse he pressure-tests each platform's downside, writes the risk sections of reviews, and is usually the voice arguing to withhold a ranking when the evidence is thin. Jan studied finance in the Netherlands and has spent his career on the lending side of the table.

Previously: ABN AMRO, Funding Circle

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