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For Companies At a Glance
- Tasks: Lead financial operations and ensure compliance in a fast-paced fintech environment.
- Company: Join Lumen Cards, an innovative fintech launching a next-gen credit card for UK consumers.
- Benefits: Competitive salary, career growth, and the chance to shape a new brand.
- Why this job: Be at the forefront of financial innovation and make a real impact on consumer payments.
- Qualifications: Qualified accountant with experience in financial control and strong analytical skills.
- Other info: Dynamic team culture with opportunities for mentorship and professional development.
The predicted salary is between 36000 - 60000 £ per year.
Lumen Cards is an ambitious fintech preparing to launch a next-generation credit card for UK consumers in Q1 2026. We are entering a rapidly expanding market where over 65% of UK adults use credit cards, and payment volumes continue to grow, driven by demand for innovative, secure, and flexible credit solutions. Our mission is to combine cutting‑edge technology with rigorous compliance and responsible lending to help customers manage their finances confidently as the UK embraces new payment trends and credit options. If you are excited to help build a high‑integrity, scalable challenger brand at the heart of consumer payments, Lumen Cards offers a unique opportunity to shape both the product and the company in a market that evolves every day.
About Role
The Financial Controller acts as the key operational lead in finance, supporting the Head Director of Finance and ensuring robust financial operations as the business scales. In a credit card issuing environment, this role is hands‑on—overseeing daily cash settlements, building resilient processes, and implementing tight controls. The Controller ensures timely and accurate reporting and compliance, understanding that even minor errors in settlement can have major consequences. This is a high‑impact position demanding precision, strong risk awareness, and an ability to evolve processes that safeguard the business in a complex, regulated space.
Key Responsibilities
- Manage day‑to‑day accounting operations, including general ledger maintenance, reconciliations, and journal entries.
- Prepare monthly management accounts, statutory financial statements, and ad hoc financial reports.
- Lead month‑end, quarter‑end, and year‑end close processes to ensure timely and accurate reporting.
- Continuously review and enhance internal control frameworks and accounting policies.
Regulatory Compliance & Audit
- Ensure compliance and accurate reporting with relevant financial regulators.
- Coordinate the preparation of audit files and regulatory submissions.
- Act as the primary contact for external auditors and regulatory bodies.
Finance Operations
- Oversee accounts payable, accounts receivable, bank reconciliations, and cash flow management.
- Monitor liquidity and settlement processes, escalating issues as needed to the Head of Finance.
- Supervise and mentor junior finance staff, fostering a culture of accountability and continuous improvement.
- Set clear performance expectations and provide regular feedback and development opportunities.
Systems & Process Improvement
- Support the implementation and optimisation of accounting systems and reporting tools.
- Identify and drive automation and efficiency improvements across finance workflows.
Strategic Support
- Contribute to budgeting, forecasting, and financial planning activities.
- Support capital raising, debt financing, and securitisation initiatives in collaboration with the Head of Finance.
Skills & Experience
- Qualified accountant (ACA, ACCA, CIMA or equivalent).
- Experience in financial control within regulated financial services or fintech environments (credit card issuing is a plus).
- Strong technical accounting skills and an ability to deliver accurate financial reporting.
- Proficient in financial systems and process improvement initiatives.
- Excellent analytical, communication, and leadership skills.
Seniority level: Mid‑Senior level
Employment type: Full‑time
Job function: Finance
Location: London, England, United Kingdom
Financial Controller in England employer: Lumen Cards
Contact Detail:
Lumen Cards Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Financial Controller in England
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work at Lumen Cards or similar companies. A friendly chat can open doors and give you insider info that could help you stand out.
✨Tip Number 2
Prepare for interviews by diving deep into Lumen Cards' mission and values. Show us how your skills align with our goals in the credit card market. Tailor your answers to reflect our commitment to innovation and compliance.
✨Tip Number 3
Don’t just wait for job openings—create your own opportunities! If you see a gap where you can add value, reach out directly. We love proactive candidates who are eager to contribute to our growth.
✨Tip Number 4
Apply through our website for the best chance of getting noticed. Make sure your application highlights your experience in financial control and your passion for fintech. We’re excited to see how you can help shape our future!
We think you need these skills to ace Financial Controller in England
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Financial Controller role. Highlight your experience in financial control, especially in regulated environments like fintech. We want to see how your skills align with our mission at Lumen Cards!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Share your passion for finance and how you can contribute to our ambitious goals. Let us know why you're excited about joining Lumen Cards and what makes you a great fit for our team.
Showcase Your Achievements: When detailing your experience, focus on specific achievements that demonstrate your impact in previous roles. Whether it’s improving processes or ensuring compliance, we love to see quantifiable results that highlight your capabilities.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity at Lumen Cards. Don’t miss out!
How to prepare for a job interview at Lumen Cards
✨Know Your Numbers
As a Financial Controller, you'll need to demonstrate your strong technical accounting skills. Brush up on key financial metrics and be ready to discuss how you've managed financial operations in the past. Be prepared to share specific examples of your experience with reconciliations, cash flow management, and reporting.
✨Understand Regulatory Compliance
Since this role involves ensuring compliance with financial regulators, make sure you understand the relevant regulations in the fintech space. Familiarise yourself with the compliance landscape and be ready to discuss how you've navigated regulatory challenges in previous roles.
✨Showcase Process Improvement Experience
Lumen Cards is looking for someone who can drive automation and efficiency improvements. Think about times when you've successfully implemented new systems or processes in finance. Be ready to explain your approach and the impact it had on the organisation.
✨Demonstrate Leadership Skills
As you'll be supervising and mentoring junior finance staff, it's crucial to highlight your leadership experience. Prepare examples of how you've fostered a culture of accountability and continuous improvement within your team. Discuss your approach to setting performance expectations and providing feedback.