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Robert Pasco and Ash Woolf join Curve as General Manager of Curve Credit and Senior Credit Risk Manager respectively, responsible for expanding and scaling Curve’s latest credit products across the UK and Europe
[London, UK – December 10, 2024] – Curve, the ultimate digital wallet, has announced the appointments of Robert Pasco as General Manager of Curve Credit and Ash Woolf as Senior Credit Risk Manager. Their arrival brings a wealth of expertise in credit innovation and risk management to Curve, reinforcing the company’s mission to transform credit accessibility and pioneer cutting-edge credit products across the UK and into Europe. This latest announcement follows the recent appointment of Edoardo Volta as SVP, Partner Marketing & Business Development, indicating Curve’s continued growth and intentions to attract the best talent to spearhead its ambitious programme of customer-led innovation.
More than nine million adults were declined credit last year in the UK, highlighting the increasing need to reassess how creditworthiness is determined and how credit is dispensed. With the UK's unsecured consumer credit market valued at £232 billion, there is a great opportunity for responsible, innovative and ethical solutions. Curve is already renowned for its innovative installment credit line (FLEX), but now intends to push the boundaries, with more transparent and equitable credit products primed for this market. With decades of combined experience in fintech, responsible consumer lending and credit risk, both Robert and Ash hail from Plend, a company Robert launched in 2020 to provide affordable credit options for those with poor or limited credit scores. Featuring on Forbes’ 30 under 30 list for finance in 2023, Robert’s experience structuring credit transactions while remaining steadfast to his vision for accessible and responsible lending, will guide Curve’s efforts to empower its users with sophisticated and more inclusive financial products.
“Curve’s mission to simplify and democratise financial access deeply resonates with me. After years advocating for, and delivering affordable credit schemes, I am acutely aware of the power it has to change lives for the better. Ethical lending is a key facet of Curve’s mission for innovation and is what separates Curve from others. This is also what will ultimately create successful and highly loyal products - when users know they are being treated fairly. I am thrilled to lead this charge, advancing Curve Credit and taking its pioneering products further into the UK and Europe, so millions more can benefit from responsible and flexible credit.” commented Robert Pasco, General Manager of Curve Credit
“Consumers have developed a real appetite for flexible credit solutions that are transparent and easier to manage. For too long, credit products have been overly confusing and somewhat intimidating for the average person. With that in mind, it’s an exciting time to be joining Curve, a company uniquely positioned to lead this change. We’re gearing up to unveil some industry-leading credit products in the UK and European markets, offering a real opportunity to create a fairer, simpler, and more accessible credit system. I’m excited to contribute to creating smarter, more intuitive credit solutions that truly meet the needs of today’s consumers,” said Ash Woolf, Senior Credit Risk Manager
"We welcome Robert and Ash to Curve, confident in their abilities to successfully steer Curve Credit and the associated products to our existing and future users,” said Shachar Bialick, CEO and Founder of Curve. “With their experience of achieving powerful outcomes in the field of responsible consumer lending, Robert and Ash have valuable business acumen, complemented by a creativity to realise a credit system which can work for all. We wanted the right people at the helm for this exciting period of growth for Curve and now with these latest hires and our already talented team, we are in a really strong position to deliver the innovative, consumer-led portfolio of products we set out to.”
Robert previously founded and scaled ethical consumer lender Plend. Passionate about the power that affordable credit has on social mobility, Robert established Plend as one of the UK's first B Corp certified lenders and launched a social impact arm of the business, Social Credit; backed by the Aviva Foundation and funded via the UK Dormant Assets Scheme. Prior to Plend, Robert built extensive financial services and M&A transactions experience as an advisor at Deloitte and Ernst & Young. Ash has a background in designing and executing automated credit risk systems, previously leading the development of the PLEND Score engine at Plend, leveraging open banking data and machine learning techniques to streamline credit decisions.
Curve is dedicated to ensuring customers achieve financial freedom, through pricing, selection and convenience. Its mission for Curve credit is no different. With pivotal experience in credit solutions and responsible lending, Robert and Ash will be instrumental in overseeing Curve credit and expanding products like Curve Flex in the UK and into Europe.
About Curve
Curve is the ultimate digital wallet, revolutionising the way people spend, see, and save their money by consolidating multiple cards into a single smart card and app. The company's mission is to become the ultimate destination for all consumer financial needs, offering seamless access to a comprehensive suite of financial products and services through the Curve ecosystem. Unlike other solutions, Curve empowers users to enhance their existing bank accounts without the need to switch banks. With a presence in 32 markets across the UK and the European Economic Area (EEA), Curve is transforming personal finance for users worldwide. For more information, visit www.curve.com.
