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Jonathan Stern is currently working as the Director and Head of Credit Risk at Merchant Money Ltd, specializing in providing short-term loans to SMEs in the UK. Prior to this, Jonathan held managerial positions at Horwath Forensics SA and Liquidchefs Mobile. Jonathan has a strong educational background, with a CA (SA) degree from the South African Institute of Chartered Accountants and an MBA from the Graduate School of Business at the University of Cape Town. Jonathan has extensive experience in financial management, forensic accounting, and business valuations.