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Zopa is a fintech bank founded in 2005 as the first peer-to-peer lending platform, now operating as a full retail bank with a customer-centric approach to financial services. The company has been recognized as one of the UK's Most Loved Workplaces.
Role Overview
This Senior FP&A Analyst position supports Zopa's financial planning, forecasting, and scenario modelling capabilities. You will produce high-quality financial analysis, maintain robust planning outputs, and create decision-ready insights to support long-term strategic planning and business decision-making. The role offers broad exposure to how a growing bank plans and manages performance across credit strategy, impairments, capital, and funding.
Key Responsibilities
- Lead forward-looking planning activities, translating commercial, economic, and operational drivers into robust forecasts that shape business decisions
- Deliver budgets, long-term plans, and scenario analysis supporting ICAAP and other capital, strategic, and business decision-making activities
- Analyze risks, opportunities, and implications within forecasts and plans, extracting key insights, sensitivities, and potential management actions for decision-makers
- Partner with FP&A, Product, Treasury, Credit Strategy, Valuations, Impairments, and cross-functional teams to monitor actual performance, challenge assumptions, and ensure forecast outputs are well understood
- Prepare clear, decision-ready analysis, commentary, and presentations for senior stakeholders and committees
- Improve FP&A processes by simplifying workflows, strengthening forecasting models and Anaplan outputs, and leveraging AI tools for efficiency
Workplace & Culture
This is a hybrid role requiring 2-3 days per week in the London office, with flexibility to work abroad up to 120 days annually (subject to work authorization). Zopa values face-to-face collaboration balanced with work-life balance. The company comprises nearly 50 nationalities and maintains a strong diversity and inclusion culture.
Requirements
- Strong financial analysis experience, ideally in retail banking or consumer finance, with focus on forward-looking planning, forecasting, and scenario analysis
- Ability to translate commercial, economic, and operational drivers into clear, credible financial forecasts and projections
- Comfortable interpreting financial information across P&L, balance sheet, product performance, capital, liquidity, and risk
- Working knowledge of credit risk, impairment forecasting, or IFRS 9, with understanding of how credit performance and impairment assumptions affect financial performance
- Ability to identify financial risks and opportunities and explain implications for business performance, planning, and capital decisions
- Clear communicator able to turn complex financial information into concise insight for senior and cross-functional stakeholders
- Strong stakeholder-management skills with ability to build trust, gather inputs, and challenge assumptions constructively across Finance and the wider business
- Comfortable working through structured, recurring planning processes while responding flexibly to ad hoc analysis, projects, and strategic initiatives
- Continuous-improvement mindset with ability to improve processes, strengthen outputs, and use AI tools effectively
Bonus Qualifications
- Deeper experience in consumer finance, retail banking, or lending products
- Detailed understanding of banking products, balance-sheet dynamics, capital, liquidity, funding, and credit risk
- Knowledge of impairment forecasting, IFRS 9, ICAAP, ILAAP, recovery planning, stress testing, or bank financial planning
- Experience with Anaplan or comparable planning systems
- Experience with AI tools and workflow automations
- Experience preparing high-quality Board and Executive Committee papers
- Recognized finance or accounting qualification (ACA, ACCA, CIMA) or progress towards one
