David Stephens
Credit & Modelling Manager at FundTap
Owns the credit model behind every FundTap funding decision, so a small business gets an answer in minutes rather than weeks.
- Credit & modelling lead
- Owns the FT Score model and credit risk policy.
- AU and NZ coverage
- Credit decisioning across Australia and New Zealand.
- Eligibility and approvals
- Designs the eligibility rules invoice-by-invoice.
- Risk and fraud
- Builds the fraud-prevention and verification framework.
- Credit policy
- Owns FundTap’s operational funding guidelines and credit policy.
- Background
- Quantitative credit modelling, lending mechanics, portfolio risk.
David Stephens is Credit & Modelling Manager at FundTap, bringing deep expertise in banking, credit and fintech to the team. He has a demonstrated history of excellence in credit risk assessment, applying advanced data techniques to evaluate and manage risk across the FundTap invoice finance portfolio.
Experienced in machine learning, statistical modelling and predictive analytics, David is a data enthusiast with a keen interest in Python and its application in translating data into actionable business insights. His work is what lets FundTap make fast, accurate funding decisions, so small businesses across Australia and New Zealand can get at their cash when they need it.
David writes about credit decisioning, eligibility, invoice finance costs and how funding decisions actually get made for the FundTap blog.
Areas of expertise
Credit risk and financial modelling
Assessing and managing credit risk across invoice finance portfolios, using rigorous modelling to ensure fast, accurate funding decisions for small businesses.
Machine learning and statistical modelling
Applying machine learning and statistical techniques to build predictive models that improve risk assessment, fraud detection, and business decision-making.
Data analytics and Python
Turning raw data into clear, actionable insights using Python, helping FundTap and the businesses it serves make better, faster decisions based on evidence.
Connect with David
Learn more about how funding decisions get made
Frequently asked questions about David Stephens
What does the Credit & Modelling Manager do at FundTap?
How does the FT Score credit model work?
Who is FundTap’s AML/CFT Compliance Officer?
Who reviews FundTap’s credit and eligibility content?
Want to talk credit, eligibility, or a funding decision?
Money from an unpaid invoice, brought forward. Once approved, funded same day. Setting up costs nothing, and there is no lock-in.
Get startedLast reviewed 20 August 2026