Theso Jivajirajah

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Theso Jivajirajah is the co-founder and Chief Risk Officer of Yonder, a London credit card challenger valued at over £100m that uses Open Banking to extend credit to people with thin UK files. He leads the data science and risk function — covering credit decisioning, fraud and portfolio analytics — and was one of three ClearScore alumni who founded the company in 2021 alongside Tim Chong and Harry Jell.

Before Yonder he spent three years as Data Science Lead at ClearScore, where he managed the firm's credit product sorting algorithm and built out its data science function. Earlier he was a quantitative and credit risk analyst at Vanquis Bank in London and a financial crime consultant at Deloitte UK. He started his career at Commonwealth Bank in Australia, where he held product, fraud analytics and cards roles.

Theso moved from Australia to London in the mid-2010s and holds a Bachelor of Commerce from Macquarie University with a focus on accounting and finance. He brings close to two decades of experience across credit cards, fraud and risk analytics.