Regulatory Reporting Manager in London

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.

How you will contribute and 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.

Required skills:

• 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.

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 support our employees in giving back to our community 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 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.
• Modern office: 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: Our Electric Car scheme makes it easy for our employees to reduce their carbon footprint.
• Enhanced parental leave: We offer an enhanced parental leave policy to support our employees in starting and growing their families.
• Room for growth: We are dedicated to providing our employees with room to grow and excel.
• 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 using the office space to boost productivity.
• Diversity and Inclusion: We uphold our commitment to fostering a diverse and inclusive workplace.