Richard Cuaresma
Business, Credit Risk & Digital Transformation
Richard Cuaresma helps businesses make better decisions where growth, credit, cash, risk and technology intersect.
He has more than 13 years of experience advising CFOs and business owners across global B2B markets, working at the intersection of commercial growth, credit risk, working capital, financial performance, business analysis and digital transformation.
Four areas of focus
- B2B credit risk
- Counterparty assessment
- Credit portfolio management
- Credit exposure
- Credit insurance
- Guarantees
- Letters of credit
- Risk mitigation
- P&L
- Working capital
- Liquidity
- Cash flow
- Financial analysis
- Forecasting
- Scenario analysis
- Business performance
- Strategic partner assessment
- Customer and supplier analysis
- Commercial due diligence
- Financial risk
- Business risk
- AI-enabled finance and credit workflows
- Predictive analytics
- Automation
- Risk monitoring
- Decision-support systems
Operator perspective
Founder of Glentio Lab
Richard is also the founder of Glentio Lab, which develops digital businesses, marketplaces and AI-enabled business models.
Building ventures directly means his advice on product strategy, monetisation and automation is grounded in what it takes to launch and operate them, not only in how they look on paper.
Within the firm
Richard works alongside Luis Rendón. Where a business question carries tax, accounting or structuring implications, the two practices work on it together.
Related services
- Credit & counterparty riskEvery sale on credit is a decision about a counterparty.
- Financial analysisProfit, cash and working capital move on different clocks.
- Business analysisWe analyse how a business makes and spends money, where performance is constrained and what would change the outcome, then define practical actions.
- Due diligenceAn evidence-based review of a company, counterparty or commercial opportunity before you commit, so the decision rests on what the numbers and the operating model actually show.
- Business risk assessmentUnderstanding where a business is exposed and identifying practical ways to reduce that exposure: financial, commercial, counterparty and operational.
- Digital transformation, AI & automationWe identify which processes are worth improving or automating, define what the solution must do, and oversee delivery, using AI only where it improves a measurable outcome.
- Venture developmentFor founders and companies building something new, such as a digital product, a platform or a marketplace, we help test the idea, shape the model and plan the route to market before significant capital is committed.
Describe the decision you are facing. Richard will tell you what he would look at first.
Speak with RichardConfidential and without obligation.