• Analyse aged-receivables, debtor and payment data to identify credit and counterparty risk and estimate expected losses.
• Assess liquidity and cash-flow risk, flagging exposures that threaten collection targets or working capital.
• Map operational and process risks in finance workflows (duplicate records, untracked refunds, control gaps) and rate their likelihood and impact.
• Maintain the risk register and recommend mitigation actions with clear owners and deadlines.

Modelling and analytics

• Build statistical models in Python (regression, classification, neural networks) to predict payment default and customer behaviour.
• Run scenario analysis and stress tests on collections, cash flow and bad-debt provisions.
• Develop Power BI risk dashboards tracking KPIs such as debtor days, collection rate, write-offs and exposure by segment.

Risk reporting and forecasting

• Prepare monthly risk and management reports for senior leadership, with variance analysis and recommendations.
• Support budgeting and forecasting by quantifying downside risk to income and collections.
• Reconcile risk data against the ledger to ensure reported figures are accurate.

Compliance, controls and audit

• Monitor compliance with financial regulation and internal control policies.
• Prepare audit-ready evidence for month-end, year-end and external audits, and track remediation of findings.

Process improvement and stakeholder advice

• Design automated controls and validation in Power Apps, SharePoint/Dataverse and Excel.
• Advise budget holders and department heads on risk exposure and recommend policy changes..

Skills and experience required

Essential

• Relevant experience in finance, banking, technology and customer service.
• Proven credit-risk and debtor analysis: aged-receivables monitoring, collection strategy and recovery tracking.
• Strong reconciliation and month-end/year-end experience, with audit-ready record keeping.
• Quantitative and statistical analysis, including forecasting and budgeting.
• Advanced Excel (lookups, pivot tables, modelling) and Power BI dashboard development.
• Working knowledge of regulatory compliance, audit and due-diligence processes.
• Clear written and verbal communication, able to explain risk findings to non-finance stakeholders.
• The closing date of this position is 15th Nov 2027