David Stephens

Credit Risk Manager at FundTap

David Stephens is Credit Risk Manager at FundTap, with a demonstrated history of working in banking, credit, and fintech. Experienced in machine learning, statistical modelling, and predictive analytics, David applies data science to make smarter credit decisions for small businesses.

A data enthusiast with a keen interest in Python, David translates data into actionable business insights across Australia and New Zealand.

Connect with David on LinkedIn: linkedin.com/in/david-fourie-stephens-910192a2

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David Stephens

Read David's latest articles

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Building A Good Relationship With Customers, Small Business Tips, Navigating Late Invoices
Shane Laurence 01 April, 2026

How to Get Clients to Pay Faster Without Damaging Relationships

TL;DR: This guide covers key insights to help Australian and New Zealand small businesses make...

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Building A Good Relationship With Customers, Accounting and Advisors
Shane Laurence 01 April, 2026

How to Have the Cashflow Conversation With Your Clients

TL;DR: Cashflow management is one of the biggest challenges for small businesses. This guide covers...

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Invoice Cashflow Tips, Building A Good Relationship With Customers
Shane Laurence 01 April, 2026

The Psychology of Getting Paid: How to Encourage On-Time Payments

TL;DR: Getting paid on time is essential for business survival. This guide covers practical...

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Credit & Modelling lead
Owns the FT Score model and credit risk policy.
AU and NZ coverage
Credit decisioning across Australia and New Zealand.
Eligibility & approvals
Designs the eligibility rules invoice-by-invoice.
Risk and fraud
Builds the fraud-prevention and verification framework.
AML and compliance
Owner of AML/CFT obligations and dispute resolution support.
Operator background
Quantitative credit modelling, lending mechanics, portfolio risk.
David Stephens is Credit Risk Manager at FundTap, bringing deep expertise in banking, credit, and fintech to the team. David 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 ensures FundTap can make fast, accurate funding decisions, helping small businesses across Australia and New Zealand access cash when they need it.

Frequently asked questions

Quick answers about David's role at FundTap.

What does the Credit & Modelling Manager do at FundTap?
David runs FundTap's credit decisioning end to end. He owns the FT Score credit model, sets eligibility rules, and is responsible for credit policy across Australia and New Zealand. Approvals above the model's confidence threshold flow through David's team.
How does the FT Score credit model work?
The FT Score is FundTap's internal AI scoring model. Each potential funding decision is scored from 0 to 1. Scores above 0.5 are auto-approved by the model. Scores below 0.5 are escalated to David or the founder for manual review. The model is recalibrated regularly against actual outcomes.
Who handles AML and compliance at FundTap?
David is the AML/CFT Compliance Officer at FundTap. He owns AML obligations, customer due diligence (CDD), enhanced due diligence (EDD) for higher-risk customers, and STR reporting. AML reporting to DIA is filed annually by 31 August.

David's 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.

Want to Connect With David About Credit Risk, Data Science, or Invoice Finance?

FundTap provides invoice finance for small businesses in Australia and New Zealand. Australia: +61 1800 595 505 New Zealand: +64 800 88 33 55 Email: info@fundtap.co Address: 255 Hardy Street, Nelson 7010, New Zealand ABN: 47914654579 NZBN: 9429031726887