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Cash Flow Operator (FTC 3-6 months)
Location: Swindon Support Centre (hybrid working with 3 days per week in the office)
We are focused on building a sustainable and successful future for the business while continuing to deliver a consistent and valued retail offer. This role offers the opportunity to develop your career within a well-established organisation, contribute to ongoing improvement, and play a part in shaping the next chapter of TGJones.
About the role
The Cash Flow Operator is responsible for managing short- and medium-term liquidity, lender reporting, borrowing base compliance, and cash optimisation across the business. The role acts as a key link between treasury, operations, suppliers, and external lenders, ensuring robust cash forecasting, effective working capital management, and ongoing covenant compliance.
This role combines elements of Treasury Management, Cash Flow Forecasting, Working Capital Management, and Financial Analysis, providing critical support to liquidity management, lender compliance, and strategic decision-making within the business.
Key responsibilities will include:
- Lead the preparation and submission of weekly 13-week cash flow forecasts to senior lenders, including variance commentary, covenant compliance certificates, and liquidity bridge analysis, ensuring all submissions are accurate, timely, and clearly narrated
- Manage daily and weekly cash positioning across multiple bank accounts and trust structures, including RCF utilisation requests, drawdown mechanics, transfer management, and covenant headroom monitoring against minimum liquidity thresholds
- Support with analysis relating to supplier payment arrangements and optimise payment phasing to maximise liquidity while maintaining critical supplier relationships
- Prepare and maintain the weekly collateral certificate, including gross stock valuation, AP balance updates, PAYE/VAT reporting, and availability calculations, liaising with payroll, operations, and legal teams (ROT status) to ensure inputs are accurate and submitted within lender deadlines
- Build and maintain financial models to support COO decision-making, including daily RCF headroom analysis, optimal payment day identification, supplier phasing comparisons, and sensitivity analysis around restructuring events
- Support the wider TG Jones operating team and management with ad hoc financial analysis, lender queries, and internal reporting, translating complex cash flow mechanics into clear, accessible commentary for both internal stakeholders and external advisors
- Develop and maintain forward-looking headroom forecasts incorporating stock inflow and outflow projections, modelling the impact of inventory movements on collateral values and available facility headroom. Provide the business with visibility of future covenant compliance and identify risks where stock run-down or payment holds may compress the borrowing base ahead of key dates
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About you
If you're a forward-thinking professional with the ambition to drive change, deliver exceptional results, and bring fresh ideas to the table, you'll thrive in an environment where collaboration, innovation, and continuous improvement are at the heart of everything we do. As TGJones continues to grow and evolve, you'll have the opportunity to make a meaningful impact, influence the future of the business, and develop your career alongside a team that values ambition, expertise, and fresh thinking.
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Experience required for this role will include:
- Advanced cash flow forecasting and liquidity management
- Strong financial modelling and scenario analysis capabilities
- Experience with lender reporting for a revolving cash facility, borrowing base facility, and covenant compliance
- Strong stakeholder management and supplier relationship skills
- Ability to communicate complex financial information clearly to both financial and non-financial audiences
- Advanced Excel and financial analysis skills
About us
At TGJones, our people are at the heart of everything we do. We believe in creating an environment where everyone feels supported, respected, and empowered to succeed. You'll be encouraged to share ideas, develop new skills, and contribute to a team that works together to achieve great results. Whether you're beginning your career or bringing years of experience, you'll find opportunities to learn, grow, and make a meaningful contribution in a business that's shaping its future.
Company benefits for our Support Centre colleagues include:
- 4pm Friday finish
- 25 days holiday plus bank holidays
- Your birthday off
- Holiday trading scheme
- Family friendly leave
- Employee discounts
- Free coffee Wednesdays and much more!
At TGJones, we're committed to creating an inclusive and welcoming workplace where everyone can be themselves and do their best. We welcome applicants from all backgrounds and celebrate the diversity that makes each of us unique. If you need any adjustments during the recruitment process, just let our Talent Acquisition team know, we're happy to help.
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