Full job descriptionCore Responsibilities
Loan Book, Portfolio & Financial Analysis
*Work closely with the Head of Portfolio & Analyst to ensure loan book performance and portfolio trends are accurately reflected within the Company’s financial forecasts, budgets, liquidity planning and management reporting.
*Collaborate with the Head of Portfolio & Analysis on cohort and portfolio reporting, using the analysis produced to understand the financial impact of origination volumes, repayments, arrears, defaults, recoveries and loan book runoff.
*Work with the Head of Portfolio & Analysis and Collections Manager to understand expected collections performance and ensure changes in collection rates are appropriately reflected within liquidity and cash flow forecasts.
*Support the CFO and Head of Portfolio & Analysis with bad debt provisioning and impairment forecasting, ensuring portfolio performance, arrears, defaults and expected recoveries are appropriately reflected within financial reporting and forecasts.
Liquidity, Investment & Treasury Management
*Develop and maintain robust 13-week and 12-month rolling liquidity models to track cash inflows from repayments and investments, and cash outflows for loan disbursements, investor withdrawals and operational costs.
*Maintain forward-looking cash and liquidity forecasts which reflect the ever-changing investment roadmap, including expected new investment, investment increases, withdrawals, capital returns and fluctuations in investor funding,
Financial Forecasting & Corporate Planning
*Own the integrated 3-way financial forecasting model covering Profit & Loss, Balance Sheet and Cash Flow for the overall business.
*Prepare and maintain the annual financial budget and departmental targets, with input from business teams.
*Maintain rolling forecasts throughout the year and reforecast appropriately as lending volumes, investment levels, collections, staffing costs and business assumptions change.
*Assist the CFO in preparing Board packs, investor reporting and presentations for potential funding rounds or debt facilities.
*Compare actual monthly expenditure against targets and budgets, investigate material variances and update forecasts accordingly.
*Oversee accounts payable and accounts receivable activity.
*Manage invoicing processes and payment tracking across the business.
Investor Portal & Management
*Review new loans, borrower repayments and investor capital movements.
*Track expected investment inflows, withdrawals and capital repayments and ensure these are incorporated into the Company’s liquidity forecasts.
*Reconcile investor balances and payments to finance records and investigate any discrepancies.
Data Management
*Share responsibility with the Head of Portfolio & Analysis for reviewing the loan tape for errors, inconsistencies and data quality issues, with clear ownership of finance-related reconciliations and reporting requirements.
*Collaborate on the continued development and enhancement of the loan tape, ensuring it provides the appropriate data and visibility required across Finance, Portfolio, Collections and senior management.
*Work alongside the Head of Portfolio & Analysis and Technology teams to identify opportunities to improve data quality, reporting visibility, automation and system processes.
*Identify and investigate reporting inconsistencies, reconciliation gaps and finance data issues, working collaboratively with the Head of Portfolio & Analysis where issues relate to portfolio or loan-level data.
Manage the Annual Audit
*Take responsibility for coordinating the annual financial audit, working across the business, CFO, external Finance function and auditors.
*Manage audit information requests and ensure supporting schedules, reconciliations and documentation are delivered accurately and on time.
*Coordinate responses to audit queries and ensure any identified issues or recommendations are followed through to completion.
Skills & Experience
*Proven experience in a financial modelling or FP&A role within the UK financial services sector (ideally broker-led SME lending, challenger banks, or asset finance).
*Advanced Excel proficiency is essential (ability to build robust, scalable, and error-free models using macros, pivot tables, and complex lookups). Experience with SQL, Python, or BI tools (e.g., PowerBI, Tableau) is a major plus.
*Familiarity with loan accounting, credit risk modelling techniques, and liquidity metrics.
*Comfortable identifying, investigating, and resolving reporting inconsistencies, finance data issues, reconciliation gaps, and operational reporting problems independently
*Strong technical and operational curiosity with the ability to improve reporting visibility, automation, and finance workflows without requiring constant direction
*Experience managing invoicing, AP/AR, payment processes, and operational reporting
Qualifications:
Relevant degree or professional accounting/finance qualification (ACA, ACCA, CIMA, or CFA)