Finance Director

Location: UK or Europe (remote-first, UK-centric)

Reports to: CEO

Works closely with: Head of Finance, Executive Team, Board

The Role – Why This Exists

Bikmo is entering a pivotal phase as we transition from a growth-focused insurtech to a profitable, pan-European MGA, while continuing to scale responsibly and position the business for long-term value creation. We are seeking an experienced Finance Director to provide strategic financial leadership at exec and board level, own and control the group financial business plan and long-term financial model, support investor and lender relationships, mentor the Head of Finance, and help shape the financial strategy of the business as we move toward profitability, selective M&A, and a potential trade exit in the coming years. This is a strategic leadership role, not a day-to-day finance position. Operational finance, cash management, and routine reporting sit with the existing finance team. The role may be delivered on a full-time or part-time basis, depending on candidate experience and availability.

Core Responsibilities

• Act as the senior financial leader within the Executive Team
• Provide clear, confident financial input into strategic and operational decisions
• Drive financial discipline, cost management, and performance focus across the business
• Hold exec peers accountable to agreed budgets, forecasts, and financial commitments
• Support the CEO in balancing growth, profitability, and capital efficiency

Budgeting, Forecasting & Strategic Planning

• Lead the annual budgeting process and quarterly reforecasting, aligning financial resources to strategic priorities
• Own and control the group financial model as the authoritative view of Bikmo’s long-term financial position
• Lead long-term forecasting, scenario planning, and sensitivity/downside modelling to support:

• Investment and growth planning
• Fundraising and capital strategy
• M&A and strategic options

Day-to-day cashflow forecasting, short-term runway management, and operational reporting are owned by the Head of Finance and the finance team.

Commercial & Strategic Partnership Support

• Partner with the CEO, Partnerships, and Operations teams on:

• Pricing strategy
• Channel and partnership economics

Cash, Funding & Capital Structure (Strategic Oversight)

• Provide senior oversight of liquidity, capital structure, and funding options
• Lead the structuring, negotiation, and setup of financing solutions where required (e.g. working capital facilities, overdrafts, debt instruments)
• Act as the senior point of contact with banks, lenders, and financial advisors
• Support and guide the Head of Finance, who leads ongoing day-to-day cash and facility management

Board, Investor & Governance Responsibilities

• Act as a trusted finance partner to the Board and existing investors
• Prepare, review, and present financial materials for board meetings
• Support fundraising strategy, investor narrative, and financial diligence
• Help articulate a clear, credible financial narrative for the Board and investors, covering performance, outlook, capital efficiency, risks, and strategic options
• Operate effectively within a PE / VC-backed governance environment, including pace, reporting expectations, and stakeholder management
• Maintain a strong working understanding of insurance-specific financial flows, even if not managing them day-to-day
• Appreciate FCA regulatory reporting requirements, including:

• Regulatory capital considerations
• Financial aspects of operational resilience

Tax, Transfer Pricing & Multi-Country Oversight

• Provide senior oversight of Bikmo’s tax strategy, ensuring it is commercially optimised and fully compliant across jurisdictions
• Cover key areas including:

• Transfer pricing
• VAT and partial VAT exemption

M&A, Strategic Options & Exit Readiness

• Support the evaluation of potential acquisitions or mergers as Bikmo strengthens EBITDA performance
• Target assessment and modelling
• Synergy and integration economics
• Deal structuring and capital impact
• Help ensure the business is exit-ready over the medium term, including:

• Robust models and reporting
• Clear equity and capital structures
• Support long-term planning toward a potential trade sale or strategic exit around 2030

What We’re Looking For

Experience & Background

• Senior finance leader (Finance Director / CFO / Head of Finance) in growth-stage businesses
• Insurance or regulated financial services experience is desirable
• Experience operating in PE or VC-backed environments
• Strong experience with:

• Board-level financial leadership
• Strategic financial modelling and scenario planning
• Fundraising and/or debt financing
• Multi-entity and multi-country operations

Qualifications

• Fully qualified accountant (ACA, ACCA, CIMA or equivalent)
• Experience leading finance in a regulated or insurance-related environment is desirable
• Insurance-specific qualifications (e.g. CII) are helpful but not essential

Style & Approach

• Strategic, commercial, and measured
• Comfortable owning financial direction without owning day-to-day execution
• Confident mentor and sounding board for senior finance leaders
• Pragmatic, outcome-focused, and able to influence at exec and board level

This Role Is / Is Not

This role is:

• A senior, strategic finance leadership role at exec and board level
• Owner of the long-term financial plan and strategic options
• A mentor and escalation point for the Head of Finance
• A key contributor to profitability, capital strategy, and exit readiness

This role is not:

• A day-to-day operational finance role
• Responsible for transactional accounting, cash processing, or routine reporting
• A purely corporate or PLC-style finance role

Equality

Don’t feel like you’re matching 100% of the criteria? We welcome applicants who can meet the core requirements, even if you don’t think you tick all of the boxes. We actively encourage applications from diverse backgrounds and under-represented groups within the cycling and insurance industry. Bikmo is an equal opportunities employer, this means we recruit, develop and compensate regardless of differences. We value diversity. Everybody is unique and this should be celebrated. We want Bikmo to be a place where people feel comfortable bringing their whole selves to work.

Application Process

To continue the conversation just click the, Find out more, button and attach a short cover letter + your CV. We love to hear how your own values and experiences align with the role. We are looking to hire for this role as soon as possible, so interviews will be on a rolling basis. If you require any reasonable adjustments to be made to support you through our recruitment process please get in touch. Your right to work legally and compliantly in any country depends on your Immigration status. Therefore a condition of this recruitment process is that you can prove your ‘right to work’ with the recognised documentation to Bikmo Ltd/GmbH, in the relevant country this role is based.

Remember, by applying for this role you are giving Bikmo consent to use the information you provide to process your job application in accordance with GDPR/DSVGO regulations.