Principal Consultant

Joanna Williams

Joanna is a qualified Chartered Accountant with 17 years’ experience in the housing sector. She supports clients with a variety of mainly finance-based projects, principally around financial business planning/modelling, stress testing and regulatory returns.


Financial modelling, developing, and reviewing business plans in Excel and Brixx, with a particular interest in sustainability aspects. Reviewing financial regulatory returns.

About Joanna

Joanna supports Altair’s clients on a range of projects, mainly financial, and principally relating to business planning, Brixx modelling and related regulatory returns. She also works with colleagues on sustainability, governance and transformation projects.

Recent Altair Assignments

  • Updating client’s business plans
  • Stress testing HA business plans
  • Reviews of Brixx models and FFR submissions
  • Reviews of SDR and NROSH Quarterly Risk Survey submissions
  • Business planning support and bespoke modelling for new entrants to the sector, including for profit providers.
  • Reviewing 5 years of rent increase calculations to identify regulatory breaches
  • Modelling support for an affordable housing project in the Dominican Republic
  • Supporting the design of HA and LA carbon budgeting and reporting frameworks


After qualifying as an accountant at Deloitte and working in the company’s Financial Modelling Group, Joanna held financial analyst and business planning roles at two London-based housing associations with development programmes and supported housing businesses. She joined Altair in 2016. She is currently studying for the ICAEW Sustainability Certificate for Finance Professionals.

Fun Facts

Joanna has a Masters degree in food policy and plays the double bass. Despite having an Oxford PPE degree, she has no political ambitions.

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