Senior Statutory & Regulatory Reporting Accountant in Cardiff

Working in our fast paced, successful Finance team in our London office there has never been a better time to join Pepper Money, a specialist mortgage lender backed by a global financial institution offering first and second charge loans. We really do believe that it’s our people who are our main competitive advantage – the ‘thing’ that sets us apart from our competitors. Our passion is to ‘Help People Succeed’. This is at the heart of everything we do and includes our valued customers, intermediary brokers and partners as well as all of our fantastic colleagues.

What you will be doing

In this role, you will support the Finance Controller across statutory, regulatory and tax reporting, ensuring all external obligations are delivered accurately and on time. You will take ownership of key reporting processes, maintain the integrity of core systems, and play a central role in audits, tax compliance and technical accounting support. You will also help drive process improvements and support wider finance projects.

Key responsibilities include:

• Ensuring the accuracy and integrity of all regulatory reporting and meeting submission deadlines.
• Preparing statutory accounts for the Group and its subsidiaries.
• Managing and maintaining the one‑source statutory reporting system.
• Supporting the external audit process and coordinating required deliverables.
• Assisting in managing external tax advisors and ensuring all tax compliance obligations, including annual tax returns, are met.
• Supporting technical accounting queries and preparing accounting papers and Audit Committee materials.
• Contributing to ad‑hoc finance projects and system implementations.
• Managing two direct reports and supporting effective communication across the finance team.

What we are looking for

We’re looking for someone with strong technical accounting knowledge, excellent attention to detail and the ability to thrive in a fast‑moving, regulated environment. You will bring a proactive mindset, confidence in handling complex reporting requirements and the ability to deliver high‑quality outputs under pressure.

Skills, knowledge and experience required:

• Strong attention to detail with a hands‑on, proactive working style.
• Highly developed analytical skills, including advanced Excel proficiency.
• Excellent planning and organisational skills, with a forward‑thinking approach and focus on continuous improvement.
• Proven project management capability and ability to coordinate multiple priorities effectively.
• Relevant experience within financial services.
• Interest in technology and using new tools to enhance reporting accuracy and efficiency.
• Clear and confident communication skills, able to justify technical conclusions.
• Strong sense of ownership and accountability.
• Self‑starter with an innovative, results‑driven approach.
• Ability to work under pressure and meet tight deadlines.
• Qualified Accountant (ACA, ACCA or equivalent) with relevant experience.

Some of the benefits we provide are:

• Competitive salaries and bonus schemes.
• Hybrid home/office working arrangements.
• Regular training and opportunities to learn and grow.
• Holiday leave plus bank holidays.
• Medical insurance cover.
• Life insurance.
• Health and wellbeing support.

In return for your commitment, you’ll have the chance to develop your career in a dynamic environment, working alongside top talent and an exceptional leadership team. If you want to be involved in our exciting expansion plans and have the chance to really shape and influence the way the business grows, then we’d love to hear from you. We also want our people to feel a sense of belonging at Pepper Money. We are committed to meeting our Diversity, Equality and Inclusion charter, further information can be found on the Careers section on our website.