Maria Yiangou
Coventry
Summary
I am an outgoing and experienced Asset Base Finance professional with over 14 years of experience in Invoice Finance and Banking across three different countries. I have supported clients both, commercial and corporate size. I am ACCA partly qualified and I carry on with my studies to become a Qualified Certified Accountant. ACCA qualification has significantly expanded my knowledge within the Financial reporting, budgeting, cash flow planning and filing of accounts. I am able to communicated in three languages to support my clients with any Credit Management tasks. Over my career I have managed both small and large teams to deliver a customer service first approach, while balance a strong risk awareness and control.
Overview
17
17
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work history
Relationship Manager
Bibby Financial Services
Leicester, United Kingdom
04.2023 - 06.2025
- My role includes managing a portfolio of clients, a mixture of small and medium size businesses.
- My role is client facing and my main responsibility is to promptly assist our clients with the working capital requirement that include limit reviews, price negotiation and assessment of risk vs benefit aspect of each facility.
- Good understanding of the Financial reporting such Management Information, Cash Flow Forecast, Budgets, Credit insurance and also my previous experience within an asset based finance industry allows me to maximise our funding levels and also utilise our other products such leasing and FX.
- On the other hand my role also includes risk management in order to secure our funding to a maximum.
- I also form a part of the underwriting team.
- Identify potential risks, ensured proper risk management measures are in place.
- Maintenance of a comprehensive knowledge of market trends, predicted future patterns effectively.
Relationship Executive - Export
Bibby Factors International Ltd
Banbury
11.2015 - 04.2023
- My role included managing a portfolio of large (over 500k funding limit) and high risk clients.
- My role was client facing and consisted of an assessment of new assigned receivables, including understanding of the contractual terms as well as the assessment of the Financial statements of the debtors.
- I was in charge to set up and regularly review individual debtor credit limits, including to oversee the debtors account reconciliation.
- Most of the receivables was issued on the export basis, therefore export/ import financial knowledge was crucial.
- I was also responsible for the trade insurance monitoring and reporting.
- The vital part of my role was also to assist my clients with the month end reconciliation and also to assist with any queries linked to their sales ledger (reconciliation/ fees/ reports).
Client Service Manager
Bibby Financial Services
02.2014 - 11.2015
- My role included managing a team of Credit Controllers to ensure the agreed client funding strategy was delivered within agreed risk and service standards.
- I liaised with clients and managed our client facilities on a daily basis, supporting their business with targeted financial support.
- Duties: Manager of a team of Credit Controllers
- Managing a challenging portfolio of approximately 50 large business clients
- Assessing debtor performance and being responsible for setting/reviewing relevant credit limits
- Credit analysis including assessment of Financial Performance
- Monitoring risk
- Liaising with risk manager
- Advising and checking international delivery documents
Financial Officer
Mapinternship
09.2013 - 02.2014
- My role included managing all financial aspects of the company including: Credit control
- Issuing invoices and obtaining payments
- Making payments to suppliers
- Negotiation of terms with the bank
- Working closely with the company accountant and owner
- Daily use of my multi-language skills
Factoring Account Manager
Raiffeisenbank
08.2010 - 07.2013
- My role was very complex and mixed between Product Specialist, Business Development Manager and Relationship Manager.
- Duties: I was fully responsible for my own international client portfolio.
- Preparing business proposal, including pricing and negotiation
- Meeting new clients to assist our sales team
- Monitoring/ reporting of the credit insurance
- Undertaking credit checks of new debtors
- Preparation of the legally binding agreements
Management Trainee - Graduate Programme
Tatra banka
08.2009 - 09.2010
- This trainee program was designed to prepare and educate successful graduates for responsible work in the middle management of the bank after a few years of gaining experience in chosen departments: Treasury/ Retail banking/ Corporate Banking and HR
Sales Executive Administrator
Balfor recruitment LTD
Birmingham, United Kingdom
02.2008 - 05.2008
- Meeting all criteria as a student I was chosen by my University to participate in the program for getting international experience in UK.
- Duties: Assistant work in a recruitment agency.
- Working with a jobseeker database.
- Looking for potential employee candidates/ job-seekers.
Education
Master of Business Administration - International Business/Trade/Commerce
University of Economics in Bratislava
Bratislava 09.2004 - 05.2009
Skills
- Daily cash flow management and budgeting
- Cash flow analysis and forecasting
- International finance
- Working capital management
- Problem solving
- Financial expertise
Certification
- ABFA Certificate
- ABFA Foundation
- Certified International Trade Advisor
- ACCA
Accomplishments
- 01/01/25, ACCA partly qualified
- 01/01/17, I was nominated by ABFA (Asset Based Finance Association) to be awarded nationally as one of the best student of the year.
- Certified International Trade Advisor.
- Masters Degree with Distinction.
- Selected for the prestigious Raiffeisenbank Graduate program.
Languages
Slovak
Czech
German
Polish
English
Personal Information
Title: Relationship Manager at Bibby Financial Services Ltd
Timeline
Relationship Manager
Bibby Financial Services
04.2023 - 06.2025
Relationship Executive - Export
Bibby Factors International Ltd
11.2015 - 04.2023
Client Service Manager
Bibby Financial Services
02.2014 - 11.2015
Financial Officer
Mapinternship
09.2013 - 02.2014
Factoring Account Manager
Raiffeisenbank
08.2010 - 07.2013
Management Trainee - Graduate Programme
Tatra banka
08.2009 - 09.2010
Sales Executive Administrator
Balfor recruitment LTD
02.2008 - 05.2008
Master of Business Administration - International Business/Trade/Commerce
University of Economics in Bratislava
09.2004 - 05.2009
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