• Design, implement, and maintain credit risk models and frameworks in compliance with BACEN and IFRS 9 standards. • Monitor and manage retail credit exposures across the lifecycle, from origination and underwriting to scoring and portfolio performance. • Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring. • Build and maintain AI agents to automate risk monitoring, provisioning, and reporting workflows. • Collaborate with the Credit Policy team to define limits, strategies, and credit appetite aligned with the company’s Risk Appetite Statement (RAS). • Conduct stress testing, scenario analysis, and model backtesting to ensure portfolio resilience. • Work closely with Data Science, Finance, Compliance, and Fraud teams to ensure model consistency, explainability, and auditability. • Prepare and present insights and reports to senior management and regulators.

Role Description Ellucian is looking for a dynamic and experienced Banner Finance Consultant to join our North American Professional Services team. In this role, you'll lead the charge in implementing our cutting-edge administrative solutions for colleges and universities. You'll be instrumental in consulting with our customers and delivering services that provide the quickest path to institutional success with training, onboarding, and deployment of Banner financial processes. You'll leverage your significant experience in the areas below to help higher education customers transform into modern campuses, leveraging technology and solutions to enable student success. - Lead with Influence: Act as a thought leader and key contributor to our Banner Finance implementations, leading and influencing client teams at all levels. - Advise on Best Practices: Provide advice and guidance on industry best practices for implementing Banner Finance in the US and abroad, ensuring the solution aligns with institutional processes and academic and business needs. - Smooth Transitions: Support customers in transitioning from their existing finance systems to Banner Finance processes through implementation efforts and ongoing consulting, including change management advice. - Analyze and Document: Perform and document business process reviews and analyses of client business requirements. Gather and document business requirements, discuss adoption of Finance recommended practices, and brief the implementation team. - Maximize Value: Work collaboratively with clients to derive maximum value from the Banner Finance solution, in conjunction with other Ellucian solutions. - Continuous Improvement: Collaborate with existing Finance consulting resources to support continuous improvement of the consulting practice, refine delivery materials, and participate in team activities. - Internal Initiatives: Take an active role in identifying, communicating, and advancing internal process improvement suggestions and initiatives. - Cross-Departmental Collaboration: Participate in Ellucian company-wide cross-departmental initiatives as required. Qualifications - At least 3-5 years of experience in Finance or Accounting, with roles demonstrating a deep understanding of Finance and Accounting standards and practices at accredited higher education institutions. - At least 2-3 years of experience in a training or consulting context, with experience in team trainings, system implementation, or other collaborative learning/teaching experiences. - Must have experience with Banner Finance. - Ability to explain solutions to diverse customers and ensure they can use applications effectively. - A disciplined self-starter with enthusiasm, energy, and a willingness to learn and adapt quickly. - Proven ability to manage multiple projects concurrently and meet or exceed deadlines. - Ability to collaborate effectively and willingly as part of a large, experienced team. - Excellent interpersonal, presentation, and communication skills with credibility and experience in the subject matter. - Proven ability to work independently or as part of a team. Benefits - Comprehensive health coverage: medical, dental, and vision. - Flexible time off. - Thrive Flex Lifestyle Account (LSA) that allows you to contribute towards your health, financial or learning interests. - 401k w/ match & BrightPlan - to help you save for the future. - Parental Leave. - 5 charitable days to support the community that supports us. - Telemedicine. - Wellness programs. - Headspace Care (mental health). - Wellbeats (virtual fitness classes). - RethinkCare & Wellthy– caregiver support. - Diversity and inclusion programs which provide access to internal employee resource groups. - Employee referral bonuses to encourage the addition of great new people to the team. - We foster a learning culture with: - Education Assistance Program. - Professional development opportunities. - LinkedIn Learning.

• Lead finance support for GTM departments and business segments, including annual planning, forecasting, reporting, financial modeling, and analysis. Partner with department stakeholders to build accurate, insightful financial plans. • Own the P&L process and analysis for GTM functions, including resource allocation, and operating expenses. • Drive coordinated headcount and resource planning to keep investment aligned with growth targets and operational priorities. • Prepare and present financial reports, dashboards, and presentations to senior leadership, with clear, actionable recommendations. • Partner with the teams on commission analysis, accrual, and payout. Reconcile commission expense to plan and explain the variances. • Partner with corporate FP&A on the long-range planning model, supporting cross-functional communication and updates on key drivers. • Develop repeatable business, operational, and financial processes that all key partners understand. • Mentor a senior analyst, building a collaborative, high-performing environment. • Support strategic initiatives and special projects with financial modeling, analysis, and recommendations. • Find and build AI-driven process improvements across GTM Finance by identifying the manual workflows worth automation.

Role Description We are looking for someone who is excited about the prospect of building a career in using data to drive business performance. This role isn't just sifting through numbers but rather asking the ‘so what', to help teams push forward, making positive change to drive and protect sales, profit, and ways of working. The FP&A Analyst supports financial planning, forecasting, and performance analysis to help drive informed business decisions. - Produce accurate budgets, forecasts, and management reports - Analyse financial performance and key business drivers - Partner with stakeholders to provide clear, actionable insights - Improve financial visibility, support strategic initiatives, and enhance financial processes and controls With so many inspiring and passionate members of the Abel & Cole family, the successful candidate must have the ability to build effective relationships across the business. What you'll be getting up to: - Financial Planning & Forecasting - Prepare and maintain annual budgets, rolling forecasts, and long-range financial plans - Analyse variances vs. budget, forecast, and prior periods - Build and maintain financial models to support planning and scenario analysis - Management Reporting & Analysis - Produce monthly management reports, dashboards, and KPIs - Provide insightful commentary on financial performance and key business drivers - Analyse revenue, costs, margins, headcount, and cash flow trends - Business Partnering - Strong business partnering capability across commercial, marketing, operational, finance, and data teams - Comfortable working cross-functionally in different capacities — leading initiatives, building solutions, or contributing to broader projects - Translate financial data into clear, actionable insights for non-finance stakeholders - Support investment cases, pricing decisions, and strategic initiatives - Data & Systems - Experience analysing data from large, structured business systems (e.g. SAP, NetSuite, D365, Salesforce) - Ability to design or build analytical tools and models that feed into business systems and forecasting platforms - Maintain and improve financial models, reports, and planning tools - Ensure data accuracy and consistency across systems - Support automation and process improvements within FP&A - Ad Hoc & Strategic Support - Support board or senior leadership presentations - Perform ad hoc financial analysis as required - Assist with business cases and strategic projects Qualifications - 2–4+ years of experience in FP&A, finance, consulting, audit, or any other transferrable analytical discipline - No formal accounting qualification required, but also open to qualified or part-qualified accountants - Study support is available for anyone looking to undertake an accountancy qualification with us Requirements - Demonstrated ability to initiate, lead, and deliver transformational improvements to business processes and commercial performance - Experience of conducting analyses using the outputs of large structured systems (e.g., SAP, NetSuite, D365, Salesforce) and/or experience of designing analytical tools which can provide inputs to such systems and forecasting tools - Strong financial modelling and analytical skills - Advanced Excel (pivot tables, lookups, formulas) - Understanding of P&L, balance sheet, and cash flow - Strong commercial acumen and business mindset - Excellent communication and presentation skills - Ability to manage multiple deadlines in a fast-paced environment - High attention to detail with the ability to see the “big picture” Benefits - To undertake the role full time: Monday - Friday, 37.5 hours per week (flexible timings) - To undertake the role part time: 28.0-37.5 hours per week (days and times by mutual agreement) - 33 days inclusive of bank holidays (FTE Pro-rata) - A free box of fruit and veg every week (it's pretty delicious!) alongside company discount of up to 35% - Cycle to Work Scheme - Grants for sport, performing arts, education and non-vocational courses - Contributory pension scheme