Sheb Azam is an accomplished professional in credit risk management with extensive experience in the financial sector. Currently serving as Director of Credit Risk at Payhawk since August 2022, Azam previously held positions at Nucleus Commercial Finance as Risk Director and Senior Risk Manager from March 2020 to August 2022. Prior roles include SME Credit & Lending at Starling Bank and positions within the Business Finance Division at PCF Bank. Azam's foundational experience in underwriting and credit control was developed at Zopa and Mobile Money Ltd. Academically, Azam holds a DipAF from the London Institute of Banking & Finance and a Bachelor of Science in Accounting and Business/Management from the University of Westminster.
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