Anselmo Valquaresma

Credit risk professional with over 11 years of experience in credit analysis and risk management across corporate and fintech environments. Proven track record in building automated risk engines, managing diverse portfolios, and designing credit policies that secured over €50 million in debt facilities and led to successful acquisitions. Expertise is heavily focused on the UK SME lending market, spanning a wide range of secured and unsecured products.

CREDIT MANAGER at Treyd Limited (2026-03 – Present)

Treyd is a Sweden-based SME lender focused on Trade Finance products. Role made redundant due to company-wide restructuring and 40% layoffs.

• Managed a team of 4 underwriters across multiple geographies.
• Optimised the existing credit workflow by systematising information intake and streamlining the approval and sales communication processes.

HEAD OF CREDIT at topi GmbH (2025-10 – 2026-02)

topi is a German-based fintech focused on embedded soft asset-based lending for SMEs.

• Led the credit risk function at topi post the acquisition in September 2025 by a fund owned by BlackRock.
• Built a fully automated credit decision system in Provenir with auto decisions of 60% of the deal flow with 2% default rates (credit and fraud).
• Led the creation of an enterprise-wide credit risk and fraud control framework, which was pivotal in securing a €50 million debt facility from an international bank, significantly supporting the company's expansion.

CREDIT RISK MANAGER at topi GmbH (2022-09 – 2025-09)

topi is a German-based fintech focused on embedded soft asset-based lending for SMEs.

• Executed credit decisions across the following markets: Germany, Austria, the Netherlands and Belgium.
• Delivered real-time, data-driven insights to leadership, enabling proactive adjustments to credit strategies and improving risk-adjusted returns across a portfolio of 3,500+ clients and a portfolio of over €40 million.

SENIOR CREDIT ANALYST at Beacon Technologies Limited (2022-03 – 2022-09)

Beacon is a supply chain SaaS with a Trade Finance offering for UK SMEs.

• Managed a wide range of Trade Finance SME client portfolios while anticipating and resolving credit risks through early detection and strategic intervention.
• Spearheaded the integration of Open Banking and Open Accounting, enabling a more accurate and efficient approach to decision-making.
• Mentored junior analytical staff, enhancing their technical skills and understanding of credit risk fundamentals.

CREDIT ANALYST at Beacon Technologies Limited (2021-04 – 2022-02)

Beacon is a supply chain SaaS with a Trade Finance offering for UK SMEs.

• Underwrote a portfolio of trade finance SME clients for facilities up to £500k, with less than 1% default rates.

SENIOR CREDIT ANALYST at iwoca Limited (2019-10 – 2021-04)

iwoca is one of the largest alternative SME lenders, focused on working capital products.

• Managed an SME loan portfolio worth £35 million, providing critical analysis and risk assessments for loans ranging up to £750,000.
• Underwrote a portfolio of SME clients for working capital products up to £750k, with less than 2.5% default rates.
• Oversaw junior staff training and continuous professional development, ensuring that team knowledge and operational efficiency aligned with evolving business needs.

CREDIT ANALYST at iwoca Limited (2018-11 – 2019-09)

iwoca is one of the largest alternative SME lenders, focused on working capital products.

• Led cross-departmental projects aimed at automating credit approval workflows, significantly increasing throughput while maintaining strict compliance standards.

CONSULTANT at Deloitte (2018-01 – 2018-10)

Deloitte is a Big Four consultancy firm.

• Collaborated with senior executives at major financial institutions to develop and implement digital transformation strategies, aligning long-term objectives with cutting-edge technology adoption.
• Guided a top-3 Portuguese bank in crafting a robust digital transformation roadmap, facilitating its transition into modernised, technology-driven operations.

CREDIT ANALYST at BNP Paribas (2015-03 – 2017-12)

BNP Paribas is a large French investment bank and one of the largest in the world.

• Managed credit facilities for a diverse portfolio of UK-based non-investment grade companies, with exposures ranging from £15 million to £1.5 billion.
• Produced in-depth credit assessments and proposals for new and renewing credit lines, successfully balancing credit risk considerations with commercial goals.

Master of Science in Economics – FEP - Faculty of Economics of the University of Porto (2015)

Bachelor of Science in Economics – FEP - Faculty of Economics of the University of Porto (2013)