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Zopa is a fintech bank founded in 2005 as the first peer-to-peer lending platform, now operating as Zopa Bank. The company is redefining retail banking by prioritizing customer needs and has been recognized as one of the UK's Most Loved Workplaces.
The FP&A team drives better decision-making across the organization by translating financial performance into actionable insights. In this role, you will support the Senior FP&A Manager and work closely with colleagues across lending, savings, and current accounts products.
Key Responsibilities:
- Analyze product performance against plan across lending, savings, and current accounts
- Investigate P&L and balance sheet variances to identify root causes
- Build clear narratives explaining product economics and performance to stakeholders
- Identify emerging risks and opportunities for early escalation to planning discussions
- Support scenario analysis and forward-looking financial projections for product teams
- Collaborate with FP&A and product colleagues to test assumptions and improve decision-making
- Balance direct-cost analysis, product economics, and broader financial performance priorities
- Manage competing priorities while meeting planning cycle deadlines
- Ask thoughtful questions, escalate issues appropriately, and continuously improve analytical delivery
As you build product knowledge and stakeholder trust, you will take increasing ownership of the financial narratives and strategic conversations that shape future business plans.
Workplace: Hybrid role requiring 2-3 days per week in the London office, with flexibility to work abroad up to 120 days annually (subject to right to work).
Requirements:
- Experience in banking or financial services
- Hands-on FP&A, financial planning, and forecasting experience
- Ability to interpret financial information across P&L and balance sheet
- Skill in explaining business and financial drivers to support practical decisions
- Strong partnership capability with product and commercial stakeholders
- Curiosity-driven approach to investigating issues and challenging assumptions
- Understanding of financial modeling and scenario analysis
- Ability to handle ambiguity, multiple priorities, and planning-cycle deadlines
- Ownership mindset and willingness to make sensible first attempts at problem-solving
- Commitment to continuous learning and developing influence over time
Bonus qualifications:
- Exposure to retail lending, consumer finance, or retail banking products
- Experience with credit risk, pricing, impairments, or valuations
- Familiarity with Anaplan or similar planning systems
- Advanced Excel, SQL, Python, or BI-tool capability
- Experience using AI or automation to improve analytical processes
- Relevant accountancy, treasury, risk, or finance qualification (in progress or completed)
