At Instant Factoring Spain S.L., I exercise delegated credit authority up to €100k and prepare recommendations for larger or more complex exposures. I participate in Risk Committee and Collections Committee decisions and monitor portfolio concentrations, maturities, overdue exposure and early-warning indicators.
I co-developed the local credit-risk framework with senior management and group Risk, covering invoice confirmation, credit limits, concentration controls and credit insurance. Through Nexorisk Limited, I also advise SME-focused finance businesses on underwriting, receivables finance, exposure limits and portfolio oversight.
