Over 100 years of combined experience in risk management

With industry leading experience, the Wiserfunding team has unparalleled insight into the world of SME credit risk assessment.

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Dr. Edward Altman

Co-Founder & Board Chairman

Professor Altman is the Max L. Heine Professor of Finance, Emeritus, at the Stern School of Business, New York University. He is recognised internationally as an expert in corporate bankruptcy, high yield bonds, distressed debt and credit risk analysis. His pioneering work on the Z-Score model published in 1968 formed the basis of the current scoring models used industry wide.

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Dr. Edward Altman's Headshot

Dr. Gabriele Sabato

Co-Founder & CEO

Gabriele is an experienced risk management professional who has researched and worked in this field for more than 15 years. He has held senior roles in risk management for banks and consulting companies, including Royal Bank of Scotland, Ulster Bank, ABN AMRO and Experian. Further, he's published several articles on risk management and SME lending in top ranking academic journals.

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Dr. Gabriele Sabato's Headshot

Leadership Team

Avantika's Headshot

Avantika Goel

Head of Product & Strategy

Avantika has several years of diverse experience in Banking, Strategy, Finance, Sales and Operations from her time in Investment Banking at Citi Bank in New York and London before moving to the corporate side to head a large automobile business in Asia.

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Board Members

Patrizio Messina - Board Member

Patrizio Messina

Board Member

Patrizio is an expert in Debt Capital Markets transactions spreading from Corporate bonds, Eurobonds, Mini-bonds, EMTN and private placements.

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Jack Caouette - Board Member

Jack Caouette

Board Member

Jack previously served as senior banker in the capital markets business at Citibank in Asia and the US. He founded CapMAC and served as CEO and Chairman.

Walter Gontarek - Deputy Chairman

Walter Gontarek

Deputy Chairman

Dr. Gontarek co-founded Channel Capital Advisor's in 2006. He was previously Managing Director and Global Head of Royal Bank of Canada’s credit products business.

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John Levin - Board Member

John Levin

Board Member

As cofounder of Certua, John has experience in building financial service products. Further, he is chairman at Rockeer and a board member of Nucleaus Financial.

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Dr. Galina Andreeva - Adviser

Dr. Galina Andreeva


Dr Galina Andreeva (MA, MSc, PhD) is a member of Credit Research Centre. Her research involve risk assessment in consumer credit and SME lending, and comparative scoring models.

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Chia Jeng Yang - Adviser

Chia Jeng Yang


As an angel investor, early-stage VC and entrepreneur himself, Chia is well placed in the startup community. He is also a trustee of the Wilberforce Society (Cambridge think-tank).

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Dr. Markus Schmid - Adviser

Dr. Markus Schmid


Dr. Markus Schmid is a Professor of Corporate Finance at the University of St.Gallen and Member of the Board of the Swiss Institute of Banking and Finance and of the School of Finance.

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Dr. Nick Wilson - Advisor

Dr. Nick Wilson

Senior Adviser

Professor Nicholas Wilson has held the Chair in Credit Risk and Finance at Leeds University Business School since 1998 and is Director of the Credit Management Research Centre (CMRC).

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Want to know more? Access our world class research below.

As a team of leading experts in in the field of risk management and SME lending we have published multiple papers, articles and studies on the subject. Find some of our more prominent pieces below or head to our research section to learn more.

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Wiserfunding Ltd
1-15 Clere Street


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