Theso Jivajirajah is Co-Founder & Chief Risk Officer of Yonder, a next-generation credit card on a mission to make credit more inclusive, accessible, and rewarding. Prior to founding Yonder where he leads the evaluation and mitigation of risk through Data Science, Theso spent three years at ClearScore, managing the company’s product sorting algorithm and building out its Data Science function to identify growth opportunities and create better efficiency for ClearScore’s customers and partners. Theso has more than 14 years of banking experience across Commonwealth Bank (CBA) in Australia and Vanquis Bank in London, working in credit cards across fraud, P&L optimisation, risk, analytics and product management. Theso has a Bachelor of Commerce (BCom)d degree in Accounting & Finance from Macquarie University, Australia.