Regulatory Reporting Manager

At Kroo Bank, we are building a better bank from the ground up. One that puts customers first, treats money responsibly, and uses technology to make everyday banking simpler, fairer and more transparent. We are a fully regulated UK bank, backed by long-term investors, with a growing customer base and big ambitions. We move fast, think carefully, and hold ourselves to high standards, whether that is how we build products, manage risk, or look after our people.

Key Responsibilities

• Ensure Kroo Bank delivers accurate, complete, and timely prudential and regulatory reporting in line with applicable rules and supervisory expectations.
• Interpret and apply capital and liquidity requirements, maintaining a robust control environment, and building scalable reporting processes suitable for a fast-growing challenger bank.
• Partner closely with Treasury to align capital and liquidity reporting with balance-sheet activity and liquidity management.
• Own the end-to-end production, review, and submission of regulatory returns, ensuring accuracy, completeness, and timeliness to internal and external stakeholders.
• Maintain and manage the regulatory reporting calendar, including clear ownership of inputs, dependencies, review stages, and final sign-off.
• Apply strong knowledge of capital and liquidity rules and reporting expectations, translating requirements into practical processes, controls, and documentation.
• Perform detailed reconciliations between regulatory reporting outputs and the general ledger and finance systems, investigating and resolving issues and documenting outcomes.
• Develop and enhance the regulatory reporting control framework, including interpretations, policies, review checklists, audit trails, and clear escalation pathways.
• Support regulatory change activity by assessing impacts, updating methodologies, and implementing process improvements to maintain compliance as rules evolve.
• Produce clear management information and commentary for governance forums, highlighting key movements, judgements, risks, and actions.
• Respond to internal and external queries including auditors and regulators, providing well-evidenced explanations and supporting analysis.
• Contribute to broader capital and liquidity activities as required, including supporting internal analysis, governance materials, and cross-functional deliverables during peak periods.
• Support the ongoing build-out of systems, data flows, and documentation to strengthen scalability and reduce manual reporting risk.

Requirements

• Ability to apply strong regulatory knowledge across prudential capital and liquidity requirements, translating rules into practical reporting processes and controls.
• Ability to deliver accurate, timely, and well-controlled regulatory submissions, with strong attention to detail and robust review discipline.
• Ability to partner effectively with Treasury on capital and liquidity reporting, aligning outputs with balance-sheet activity and liquidity management.
• Ability to perform detailed reconciliations between regulatory returns, the general ledger, and source systems, investigating breaks and driving resolution.
• Ability to build and improve regulatory reporting processes in a scaling challenger bank environment, including documentation, control checklists, and audit trails.
• Ability to manage a regulatory reporting calendar, dependencies, and stakeholder inputs to meet deadlines consistently.
• Ability to respond confidently to regulator and auditor queries with clear explanations, evidence, and supporting analysis.
• Ability to operate with sound judgement and effective escalation under deadline pressure, balancing quality with pace.
• Ability to communicate complex regulatory topics clearly to varied audiences, producing concise commentary for governance forums.
• Ability to work flexibly across wider capital and liquidity tasks as needed, supporting Treasury and Finance deliverables during peak periods.

Required Qualifications

• Degree level education or equivalent practical experience in Finance, Accounting, Economics, Mathematics, Data Analytics, or a related discipline.
• ACCA, CIMA or ACA qualification is strongly preferred, or demonstrable progress toward ACCA or ACA with relevant FP and A experience.
• Evidence of ongoing professional development in financial modelling, forecasting, planning, data analytics, banking capital, or prudential regulation.
• Previous experience in a challenger bank is highly desirable, but previous banking experience is essential.

Benefits

• Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo Bank holiday (June 24th), and 1 day off during the week of your birthday.
• Personal days: We offer 3 personal days to use as needed.
• Employer-sponsored volunteer program: Up to 4 hours per month of employer-sponsored volunteer time.
• Mental health support: Access to Spill, our mental health support partner.
• Workplace pension: A workplace pension with a 5% employee contribution and a 3% employer top-up.
• Top-notch equipment: We provide necessary equipment for smooth hybrid work, including a MacBook laptop.
• Modern office: Access to our modern workspace in Farringdon (Central London).
• Cycle to Work scheme: Encouragement of sustainable transportation.
• Electric Car scheme: Support for reducing carbon footprint.
• Enhanced parental leave: An enhanced parental leave policy.
• Room for growth: Opportunities for growth and excellence in a fast-paced, high-growth start-up.
• Full healthcare for you and your nuclear family via Vitality.

Hybrid Working

We have a hybrid policy that gives both individuals and teams freedom when it comes to using the office space to boost productivity. There is a requirement to come into the office maybe once a month.

Diversity and Inclusion

We uphold our commitment to fostering a diverse and inclusive workplace. Every employee is highly regarded, respected, and supported without any form of judgement or prejudice.