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Henrique Prado

Product Manager
LoanTube
Member since
29 May
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London
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

I’m the B2C Product Lead at LoanTube, one of the UK’s top bootstrapped fintechs and part of Sifted’s Fastest-Growing Startups. We’re not just a loan marketplace, we’re building an intelligent platform that gives real financial access to underserved customers. Many of our users don’t qualify for credit in the traditional system. For them, we’re often the last resort, and we work to make that chance count.

At LoanTube, I oversee the entire B2C experience: product, CRM, customer support, frontend, backend — and most importantly, our AI and risk modelling strategy. We use behavioural and alternative data to match borrowers and lenders in smarter, more inclusive ways. I lead our efforts in credit modeling and decisioning.

Previously, I worked at Guiabolso (acquired by PicPay), one of Latin America’s leading fintechs that reshaped how millions accessed credit. That experience provided me a deep sense of purpose around financial inclusion and data ethics.

Latest opinions

Henrique Prado

Why Fintechs Should Treat AI as a Builder, Not a Chatbot

Much of the discussion around artificial intelligence in fintech still centres on front-of-house polish: smarter search, interactive help pages and basic chat functions. These are easy wins - visible to customers, simple to deploy and useful for marketing campaigns - but they only skim the surface of what AI can do. Too often, fintechs stop there,...

2 hours Fintech

Henrique Prado

How AI is Boosting FinTech Product Development

Artificial intelligence (AI) has moved from the margins to the mainstream of financial technology. What began as back-office experimentation has become a core enabler of innovation, efficiency and customer empowerment. According to McKinsey, 60% of financial services firms have embedded at least one AI capability into their operations, and use of ...

02 June 2025 Artificial Intelligence and Financial Services

Henrique writes about

  • artificial intelligence
  • start ups
  • financial inclusion

Henrique's opinion archive

  • 2025 (1)
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