Finance Manager London Operations

Stream was founded with the mission to provide fair financial tools to the everyday worker. Offered through destination employers like Greene King, Bupa, Burger King, Asda and the NHS, our award-winning platform helps over three million people to earn, learn, save, spend and borrow on their own terms, all in one smartphone app. Stream is unique: VC backed and growing at scale, but with a social conscience. Some of the world's leading impact funds were our founding investors, and we operate on a social charter, which means every product and service we create must measurably improve financial wellbeing.

You’d be joining a team of over 200 passionate, ambitious people across Europe and the USA, building a category-defining product, and united by that same mission.

The Opportunity: We see Finance as an integral part of the Stream machine, and we’re looking for someone who wants to make a meaningful contribution to our high-calibre team. We’re a unique and diverse group, looking for someone who is operationally sharp and process-driven, with the ability to absorb commercial context at speed and a genuine drive to improve how Finance operates. Stream’s rapid scale and growing product complexity require our core financial reporting functions to be robust, accurate, and continuously evolving. This Finance Manager role sits at the heart of that evolution - bringing the seniority and technical mindset to own month-end processes, lead on key reconciliations and audit support, and spearhead the AI-driven transformation of our accounting workflows. If you’re excited by the intersection of finance and technology, and want to own real change rather than simply participate in it, this role is for you.

The Team: You will be joining a highly collaborative Finance team and report directly to the Group Financial Controller. As Finance Manager, you will be a senior member of the Core Finance team — working in lockstep with colleagues to ensure accurate and timely delivery of the monthly reporting packs. This role has no direct reports, but that’s by design rather than by limitation. You’ll be expected to operate with significant autonomy and play a leading role in shaping how the team works: driving process improvement, building documentation standards, and championing the adoption of AI tools to unlock efficiency across the function. Your influence will be felt through the quality of your output and the improvements you deliver.

Own the Month-End Cycle: Take full ownership of the end-to-end month-end delivery, including preparation of accurate and timely management accounts for several of Stream’s key operating entities.

Lead on Funding Ledger Reconciliations: Own and continuously improve funding-related reconciliations for the UK, ensuring all movements are accurately recorded and reconciling differences are understood and minimised.

Balance Sheet Integrity: Conduct comprehensive monthly reconciliations of all balance sheet accounts, investigating and resolving discrepancies swiftly to maintain financial accuracy.

Statutory Compliance: Prepare and manage the submission of quarterly consolidated VAT returns, ensuring compliance with all regulatory requirements.

External Audit Support: Take a key supporting role in the annual audit for UK entities — preparing schedules and responding to auditor queries - enabling the GFC to lead and freeing up the FD to focus on strategic priorities.

AI-Led Process Transformation: Design and implement an AI-enabled month-end framework: identify manual processes suitable for automation, build documentation standards, and deliver measurable efficiency and accuracy improvements across the accounting team.

Commercial Analysis: Conduct detailed variance analysis of results against budget and forecast, translating findings into commercial commentary to support senior decision-making.

• Qualified accountant (CIMA, ACCA or ACA) with meaningful post-qualification experience.
• Demonstrable track record of owning and preparing full monthly management accounts, independently and to a high standard.
• A strong technical mindset with proven interest in, or hands-on experience of, leveraging AI or automation tools to improve finance processes.
• Experience using NetSuite ERP solution.
• Highly advanced Excel skills (complex formulas, large data-set manipulation).
• Experience operating within a fast-paced, high-growth environment (e.g., scale-up or technology firm).
• Strong operational instincts and process discipline, with the ability to comprehend commercial dynamics at speed.

Can-be-learners:

• Understanding of financial wellbeing products and the corporate structures used to manage these.
• Deep familiarity with Stream’s specific entity structures and funding arrangements.

Within 1 month you’ll have:

• Established a foundational understanding of the key operating entities and the existing month-end process landscape, including current pain points and manual workarounds.
• Successfully delivered your first full month-end reporting cycle, building hands-on knowledge of the financial nuances of the business.
• Begun mapping existing processes to identify early opportunities for AI-assisted automation and efficiency gains.

Within 3 months you’ll have:

• Taken full, independent ownership of the preparation and analysis of entity management accounts.
• Delivered an initial AI process improvement roadmap with prioritised initiatives and expected efficiency gains and implemented at least one AI-enabled improvement to the month-end process.
• Fully documented your owned core month-end processes.

Within 6 months you’ll have:

• Demonstrated quantifiable gains in efficiency or reporting accuracy, with a clear pipeline of further improvements.
• Established a process for accurately reconciling the funding ledgers without variance.

Working policy: We operate a hybrid policy with a requirement of three days a week in the office.

Salary: £80,000 - £90,000 per year + Equity & Benefits

• 25 Days Annual Leave in addition to public holidays (up to 5 day rollover), as well as flexible time off allowances for any ad-hoc childcare/family/caring needs.
• 24 weeks' paid Maternity Leave and 4 weeks paid Paternity Leave for employees with over 12 months service.
• Special Leave for In Vitro Fertilisation (IVF) and other fertility treatments.
• Sabbatical scheme.
• Paid leave to volunteer.
• Private Healthcare including comprehensive mental and physical healthcare.
• Salary sacrifice to pension, as well as bonus exchange to Pension: reap even more rewards of any bonus by paying into your pension & save on Tax and NI + added compound growth.
• Season Ticket Loan.
• Access to Salary Sacrifice Schemes via ThanksBen: THE Benefits marketplace. Choose the benefits you want, when you want. Pay less tax, receive more value, including: Workplace nurseries, Cycle to Work, Home and Tech Scheme and more.

The best benefit of all, access to Stream!