Meet Our Financial Experts
The minds behind nivoraquelis's budget risk management education. Each bringing decades of real-world experience from banking, corporate finance, and risk assessment.
Miranda spent twelve years at Lloyds Banking Group before joining us in early 2023. She's particularly brilliant at explaining complex risk models in ways that actually make sense. During the 2020 market volatility, her team's risk assessments helped protect over £200 million in client assets.
Former CFO at a mid-sized manufacturing firm, Casper knows budgeting from the trenches. He's worked through three economic downturns and has this uncanny ability to spot budget risks months before they become problems. His practical approach comes from managing real budgets under real pressure.
Built on Real Experience
We don't teach theory from textbooks. Every course, every module, every example comes from situations our team has actually lived through. When Miranda talks about stress testing, she's drawing from nights spent running scenarios during market crashes. When Casper explains budget variance analysis, he's thinking about the quarterly reviews where those variances meant the difference between growth and layoffs.
Data-Driven
Every decision backed by comprehensive analysis and real market data
Practical Focus
Skills you can apply immediately in your current role
Personal Support
Direct access to instructors who understand your challenges
Collective Expertise
Over 25 years of combined experience across multiple sectors and market conditions
Risk Assessment
- Credit risk modeling and analysis
- Market risk evaluation
- Operational risk identification
- Liquidity risk management
Budget Management
- Zero-based budgeting implementation
- Variance analysis and reporting
- Capital allocation strategies
- Cost-benefit optimization
Strategic Planning
- Long-term financial forecasting
- Scenario planning and stress testing
- Resource allocation optimization
- Performance measurement frameworks