Financial Accountant

LHV Bank Limited is a UK‑licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed‑rate bonds for long‑term savings, and debit cards. Customers can conveniently access these services through the LHV App, enabling secure account opening and management.

We are looking for a curious, data‑native and highly motivated Junior Financial Accountant / Financial Accountant to join our UK Finance team and grow with the business.

Role Overview

This role sits at the heart of the finance function, supporting financial control, reporting and finance operations in a fast‑paced, regulated banking environment. You will gain hands‑on exposure across the full finance lifecycle, from transaction processing and reconciliations to month‑end reporting and statutory accounts support. The role is designed for someone who is technically minded, digitally fluent and eager to build deep accounting expertise while continuously improving how things are done. We are particularly interested in individuals who are genuinely comfortable working with data, systems and AI tools, someone who sees automation and technology as part of their daily toolkit.

Key Responsibilities

• Support the delivery of month‑end and year‑end close processes, ensuring accuracy and timeliness of outputs.
• Prepare and maintain balance sheet reconciliations, including bank and key control accounts, with a strong focus on completeness and data integrity.
• Assist in maintaining the integrity of the general ledger and chart of accounts.
• Support the preparation of financial reports, management information and statutory accounts disclosures.
• Assist in operating financial reporting models, ensuring accurate data inputs and adherence to documented controls.
• Provide supporting documentation and analysis for external and internal audits.

Finance Operations

• Execute day‑to‑day finance processes including Accounts Payable, Accounts Receivable, expense processing and cash settlements.
• Ensure transactions are recorded accurately and in line with internal controls and accounting policies.
• Support tax compliance processes by preparing schedules and working papers for review.
• Maintain high standards of documentation and audit trail across all activities.

Data, Systems & Process Improvements

• Use Excel and accounting ledger systems to analyse financial data, investigate discrepancies and improve reporting outputs.
• Identify opportunities to streamline, automate or enhance existing finance processes.
• Leverage AI tools (such as ChatGPT, Copilot or similar platforms) to improve efficiency, documentation quality, reconciliations and reporting workflows.
• Demonstrate strong prompt literacy and a structured approach to using AI responsibly within a controlled environment.
• Work closely with Technology, Operations and Group Finance to improve data flows and reporting accuracy.

Requirements

Education & Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Mathematics, Data Analytics or a related field.
• Strong A‑Level performers will also be considered.
• Studying towards an accounting qualification (ACA, ACCA, CIMA or equivalent) or planning to commence studies.
• For Financial Accountant level: part‑qualified or newly qualified with relevant practical experience.

Technical & Professional Skills

• Strong foundational accounting knowledge (double‑entry, accruals, reconciliations, financial statements).
• Natural affinity for systems and technology; quick to learn new tools and platforms.
• Strong Excel capability, with the ability to build clear, logical and well‑controlled schedules and working papers, leveraging AI tools (such as ChatGPT or similar) alongside Excel to enhance structure, efficiency and documentation quality.
• Demonstrated interest or experience in using AI tools (e.g. ChatGPT or similar) for analysis, automation or productivity improvements.
• Strong personal work ethic with high levels of ownership, discipline and accountability; consistently delivers accurate, well‑structured work to a high standard, even under time pressure.
• Clear communicator with the confidence to ask questions and challenge inconsistencies in data.
• Fluent in spoken and written English.

Some of our benefits

• Competitive salary & lots of opportunities to learn, grow and progress professionally.
• Open and inclusive culture.
• Fantastic offices and great working environment.
• Vitality Health Plan (includes private health insurance, travel insurance, gym discounts).
• Life assurance – 4 x salary.
• Income protection insurance – 75%.
• 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year.
• Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.
• Enhanced family friendly and family forming policies.
• Access to a wide range of retail discounts.
• Team Socials.

This is a hybrid role but we ask you to be in the London Office 3 days a week.