Grapple is an Australian non-bank company offering invoice finance to SME businesses to enable them to access the money tied up in their unpaid invoices. Grapple sources its funds from investors through a specialised finance vehicle (instead of the usual bank loans, which most of its competitors rely on), which gives it the flexibility to provide a better user experience for its clients.Borrowers can obtain finance against one invoice or a few invoices they select (GrappleOne), set up a facility against their entire ledger (GrapplePlus), or offer early payments to their suppliers (GrappleSupply).I was responsible for the risk and credit processes across the business. The risk functions included responsibility for the Anti-Money Laundering requirements in relation to staff and clients. The credit functions included the assessment and approval of facilities for clients, as well as the appropriate monitoring and control activities which are in place to minimise losses.

Moneytech Limited works with SME businesses, providing various products to meet their transactional and financing needs. Moneytech operates at every link in the supply chain for these businesses, and helps to improve their cash flow in order to assist with the growth of the business.I was responsible for the risk and credit environment at Moneytech, with a particular focus on the policies and procedures of the lending products - namely, receivables finance and trade finance.I enjoy providing assistance to SME businesses, and cash flow is always an important priority for these businesses. Moneytech's suite of products provide a comprehensive solution to the working capital needs of all SMEs.

My focus was on assisting SMEs to improve their cash flow through more efficient working capital management. The objective was to utilise the improved cash flows to generate stronger and more profitable growth in business volumes.I worked with businesses in relation to all their cash flow requirements, whether this related to working capital management (improved debtor collections, quicker stock turnaround) or forward planning of cash flow requirements for the business to ensure that appropriate finance facilities were in place.

Octet provides unsecured finance facilities to buyers, in conjunction with a Supply Chain Platform, to enable secure B2B transactions to be conducted between buyers and sellers worldwide.My responsibilities included the establishment and management of the credit environment for the company. This included a key role in the assessment of all new customers, and the ongoing monitoring of their financial position. I was also responsible for the operations department, incorporating all banking and foreign exchange processes, to ensure transactions were financed on a timely basis.My role also incorporated responsibility for the Anti-Money Laundering policies in force for the company, as well as the arrangements for sourcing credit information and maintaining the credit insurance policy.

Scottish Pacific Business Finance Pty Ltd is a specialised finance company focussed on providing working capital finance to the SME market.Over the long period of my involvement, I was responsible for a number of different divisions at various times - trade finance, factoring, invoice discounting, international factoring - as well as being involved with the credit control functions, internal audit, risk departments and the maintenance and updating of legal documents for the company.