Financial Accountant

We’re looking for a detail‑driven Financial Accountant to support month‑end close and group reporting across a multi‑entity, structured finance environment. You’ll have end‑to‑end responsibility for entity‑level reconciliations, accruals, consolidation inputs, and board reporting, working closely with internal stakeholders and external auditors. This role requires prior hands‑on experience with securitisation structures or securitised portfolios, including SPVs, servicer reporting, waterfalls, accruals, and related accounting and reconciliation activities. It is a delivery‑focused role suited to someone who enjoys owning complex processes and ensuring accuracy, control, and transparency. Applications without relevant securitisation exposure will not be considered.

What you’ll be doing:

• Owning the month‑end close across multiple group and structured finance entities
• Preparing and posting journals in SAP, including accruals, interest, and true‑ups
• Maintaining accrual schedules, balance sheet reconciliations, and supporting working papers
• Owning statutory audit deliverables and acting as the key contact for external auditors
• Preparing audit‑ready documentation and supporting year‑end activities
• Preparing entity‑level and group management accounts
• Supporting monthly and year‑end group consolidation
• Analysing performance versus plan and prior periods with clear variance commentary
• Owning accounting and reporting for securitised SPV structures
• Reviewing servicer reports and preparing waterfall, accrual, and cash allocation workings
• Reconciling servicer data to internal records and posting true‑up journals
• Maintaining interest, financing, and share capital schedules
• Performing bank and intercompany reconciliations
• Preparing cash movement files and cash flow analysis

Skills And Experience:

• Experience in management and/or group accounting
• Strong month‑end close, reconciliation, and control experience
• Exposure to securitisation structures, SPVs, waterfalls, or structured finance portfolios
• Experience preparing management accounts and consolidation inputs
• Strong Excel capability (advanced schedules, reconciliations, and analysis)
• Experience working with SAP or a similar ERP system
• Experience liaising with auditors

Key Skills:

• Part‑qualified or qualified accountant (ACA / ACCA / CIMA preferred)
• Highly organised with strong attention to detail
• Comfortable managing multiple entities and deadlines simultaneously
• Proactive, confident, and able to take full ownership of deliverables
• Able to explain financial movements clearly to non‑technical stakeholders
• Calm and effective under pressure, with a delivery‑focused mindset

You Should Apply If:

• You enjoy owning complex financial processes end‑to‑end
• You’re detail‑oriented and care deeply about accuracy, auditability, and control
• You thrive in structured finance or multi‑entity environments
• You’re proactive, reliable, and comfortable working autonomously
• You communicate clearly, directly, and professionally with a wide range of stakeholders
• You want to make a tangible impact within a fast‑moving financial services environment

What's in it for you?

• The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever
• Competitive salary
• Pension contributions, including Salary Exchange facility
• Annual bonus potential
• Private medical cover provided by Vitality (optional benefit)
• 25 days annual leave (FTE) plus UK bank holidays (with an additional day added for each full calendar year worked, up to a maximum of 30 days)
• Your birthday off each year as an additional day’s holiday
• 4x life insurance cover
• Access to our confidential Employee assistance programme