Treasury Lead Analyst

Pockit and Monese are the all‑in‑one money apps that make it easy for people to access and manage the financial tools that put them in control of their money. We provide vital financial services, from accounts and cards through to income advance. In October 2024, Pockit acquired Monese, creating the leading fintech for low‑income individuals and those who are poorly served by traditional banks. The combined business serves over three million customers across the UK and Europe.

About us: We’re a lively, diverse and international team, based across offices in London, Newcastle, Tallinn and remote teams in central Europe. You’ll be joining a team that fosters curiosity, ambition, accountability, and resilience and we know you’ll be made to feel at home straight away.

What you’ll be doing:

• This role will support the delivery of key treasury change initiatives, including a major migration programme, while also taking responsibility for the day to day operation of treasury activities.
• The individual will work closely with finance, operations, technology and external partners to ensure project milestones are met without disruption to liquidity, funding, payments, and banking operations.
• The role requires hands on project management of treasury and banking migrations, owning end to end delivery from planning and stakeholder coordination through to cutover and stabilisation.
• Designing the payment flows in the e‑money ledger and related safeguarding flows to make most efficient use of the capital and meet the regulatory requirements.
• Supporting the design of processes and procedures around compliant and efficient safeguarding requirement.
• Designing the reconciliation models/processes for the core ledger and all the partner payment flows.
• Setting up the reporting processes and data collection around the financial and regulatory reporting.
• Building models and strategies to forecast and manage EMI capital requirements and operational liquidity at all our partners.
• Scoping and evaluating treasury requirements for any new product integration and ensuring these are met by the product.
• Conducting and building quality controls of various different processes and rules around the treasury operations.
• Managing ad hoc projects and putting out daily fires.
• Supporting Treasury team in daily operations.
• Working closely with internal tech and product teams and liaise with external payment partners in development and maintenance of treasury flows.

What we are looking for:

• Minimum 5 years experience in Treasury function in a financial institution, payments service provider, electronic money issuer or in other similar field.
• Understanding of UK and wider European payments and electronic money regulations.
• Knowledge of Treasury ALM and Risk management concepts.
• Experience in an EMoney, Payments or related company preferred.
• Knowledge of SQL and relational databases strongly preferred.
• Accomplished in financial modelling and analytics.
• Analytical, strategic thinker with strong judgement and foresight.
• Degree in Finance, Economics or Accounting or equivalent experience.

Why Join Us:

• Join a mission‑driven company working at the intersection of technology and financial inclusion.
• Work with a diverse, entrepreneurial, and ambitious team.
• Make a real impact in a scale‑up with global reach and strong growth potential.
• Competitive compensation and benefits, including share options, Bupa private healthcare and flexible working.

Work Location: We are open to applicants based in London or Tallinn. The primary place of work is Pockit’s headquarters in Marylebone, London, or Telliskivi, Tallinn, where the role will be expected to be in the office 3 days a week (Monday, Tuesday and Thursday).