Financial Controller

We’re on a mission to build the world’s greatest social bank. We believe that banking needs to change for the better. When money is used correctly, it can transform our daily lives and positively impact the planet. We’re looking for a qualified accountant to join our Finance team as a Financial Controller within a growing banking environment. This role is ideal for a qualified accountant with a background in Financial Services audit and 1‑2 years of post‑qualification experience gained either in audit or within a banking, fintech, or broader financial services environment.

How you will contribute and key responsibilities

• Ensure Kroo Bank delivers accurate, complete, and timely financial reporting while maintaining a robust financial control environment that supports the bank’s continued growth.
• Oversee month‑end and year‑end close processes, ensure the integrity of financial data, and support the implementation of effective accounting and control frameworks across the business.
• Maintain strong balance sheet controls, support technical accounting assessments, and ensure new products and material transactions are appropriately accounted for and controlled.
• Work closely with stakeholders across Finance, Treasury, Risk, and Operations to deliver high‑quality financial reporting, improve processes, and support strategic initiatives.
• Support and coordinate month‑end and year‑end close processes.
• Prepare management reporting and various internal financial reports.
• Respond to finance and reporting requests across the bank.
• Maintain and enhance the financial control processes.
• Set up accounting and financial control processes for new products and initiatives.
• Prepare accounting papers and technical accounting memos where required.
• Perform balance sheet reconciliations, including loans, deposits, derivatives, and other financial instruments.
• Reconcile and monitor loan portfolios, provisions, and related balances.
• Support impairment assessment and loan loss provisioning processes.
• Ensure completeness and accuracy of financial data and reporting.
• Assist with external audit, internal audit and regulatory reporting requirements.
• Drive automation initiatives to improve reporting, reconciliations, controls, and month‑end efficiency.
• Support system reporting enhancements and finance transformation projects.

Qualifications

• Qualified accountant (ACA/ ACCA or equivalent).
• Background in Financial Services Audit at a Big Four or a mid‑tier firm.
• 1‑2 years post‑qualification experience preferred.
• Strong understanding of banking products, their accounting treatment and financial reporting, including loans, deposits and treasury assets such as covered bonds and RMBS.
• Experience with impairment and loan loss provisioning is highly desirable.
• Strong analytical and problem‑solving skills.
• Proactive mindset with an interest in process optimisation and automation.
• Excellent attention to details and ability to work in a fast‑paced environment.
• Strong communication and stakeholder management skills.
• Advanced Excel skills and use of other tools, including AI beneficial.

What we offer

• 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 know that life can be unpredictable, so we offer 3 personal days to use as needed.
• Employer-sponsored volunteer program: We're passionate about giving back to our community, and we support our employees in doing the same with up to 4 hours per month of employer-sponsored volunteer time.
• Mental health support: We care about the mental health of our team members and offer access to Spill, our mental health support partner.
• Workplace pension: We want you to feel secure about your future, so we offer a workplace pension with a 5% employee contribution and a 3% employer top‑up.
• Top‑notch equipment: We provide top‑of the line equipment necessary for smooth hybrid work, including a MacBook laptop. Additionally, we also offer support in establishing your home office by contributing towards your setup if required.
• Modern office: When you're in the office, you'll enjoy access to our modern, bustling workspace in Farringdon (Central London).
• Cycle to Work scheme: We encourage sustainable transportation with our Cycle to Work scheme.
• Electric Car scheme: We're committed to reducing our carbon footprint, and our Electric Car scheme makes it easy for our employees to do the same.
• Enhanced parental leave: We know that family comes first, and we offer an enhanced parental leave policy to support our employees in starting and growing their families.
• Room for growth: As a fast‑paced, high‑growth start‑up, we're dedicated to providing our employees with room to grow and excel. You get full healthcare for you and your nuclear family via Vitality.

Hybrid Working

At Kroo Bank, we have a hybrid policy that gives both individuals and teams a lot of freedom when it comes to using the office space to boost productivity. We do have a requirement to come into the office maybe once a month. Our London office is a great resource when used effectively, so employees who can occasionally come to the office are a good fit for how we work right now. Keep in mind that this job involves working from Monday to Friday, with a mix of remote and office work, so you will not need to be on site all the time.

Diversity and Inclusion

We wholeheartedly 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. We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank. We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process.