At a Glance
- Tasks: Run complex financial analyses and support model migration to a code-based environment.
- Company: Join Y TREE, a WealthTech innovator transforming personal finance management.
- Benefits: Enjoy 25 days off, private healthcare, and a dog-friendly office culture.
- Other info: Diverse team culture with opportunities for professional growth and social activities.
- Why this job: Make a real impact in financial modelling while developing your coding skills.
- Qualifications: Experience in financial modelling and proficiency in Python are essential.
The predicted salary is between 40000 - 50000 £ per year.
About Y TREE
We are a rapidly growing WealthTech business that is re-defining how individuals and families connect and engage with their money. We provide our clients with control over their personal finances, enhancing their ability to achieve their financial and life aspirations. At the heart of this mission is Financial Modelling, the conceptual engine behind our proprietary models and analytical frameworks. This team brings intellectual rigour to our service, focusing on what truly matters in our clients’ financial lives. We distill complex financial realities into user-friendly, actionable, and personalised insights powered by data. Every model and tool we build is designed to be robust, scalable, and purposeful, providing the unifying logic that powers the entire client lifecycle.
Team Overview
The Financial Modelling Analyst is responsible for the technical execution and maintenance of Y TREE’s Asset Liability Management (ALM) and financial planning engines. Reporting to the Head of FMG, you will support the transition of our sophisticated financial models from legacy Excel environments to a robust, scalable code-based (Python/Platform) ecosystem. Your primary objective is to increase the velocity and accuracy of client analysis, supporting the "Financial Life Analysis" production and ensuring the underlying mathematical logic is documented, tested, and reliable.
The Role
- Execute Client Analysis: Run complex Financial Life Analysis (FLA) and ALM projections for client portfolios. Translate specific client scenarios (e.g., liquidity events, estate planning, gifting) into model inputs and generate accurate outputs for the Advice team.
- Operational Efficiency: Work to reduce the time-cost of manual analysis. Take ownership of the recurring ancillary analysis & tools, ensuring delivery within agreed SLAs.
- Data Prep & Validation: Act as the gatekeeper for data entering the financial models. Clean, format, and validate client financial data to ensure the advice we give is based on accurate inputs.
- Model Development & Migration: Support the transition of the core ALM (Asset Liability Management) and Financial Life Analysis (FLA) models from legacy Excel spreadsheets to a robust, code-based environment (Python/Proprietary Stack).
- Coding & Scripting: Write clean, efficient Python scripts to automate repetitive modelling tasks (e.g., cash flow projections, tax wrappers).
- Testing: Build and run unit tests for new model features. Compare "Excel vs. Code" outputs to ensure zero discrepancies during the migration process.
- Documentation & QA: Maintain comprehensive technical documentation for all financial models. Ensure that every assumption, tax rule, and growth factor used in the ALM is recorded and accessible to reduce key-person risk. Perform rigorous quality assurance on model outputs before they reach the Client Team. Investigate and resolve calculation discrepancies immediately.
- Advisory Support: Serve as the technical helpdesk for the Client/Advice teams regarding model outputs. Explain why the model produced a specific number and help troubleshoot "unusual" results.
- Product Implementation: Support the integration of financial models into the Y TREE digital platform by providing test cases and validating the data shown in the UI.
About You
- Technical Skills
Experience: Typically 2–4 years of relevant experience in risk management, financial modelling, ideally within a wealth manager / asset manager serving HNW or UHNW clients. - Qualifications: Degree in finance, economics, or a related discipline; a Master’s degree and/or CFA qualification (or progression toward) is a plus but not required.
- Technical Skills: Proficiency in coding language (Python in particular). Strong proficiency in Microsoft Office Excel for portfolio analytics and data manipulation.
- Client Experience: Experience in client-facing or advisory interactions is useful but not required. However, understanding of financial planning analysis with sophisticated clients is a must.
Personal Characteristics
- Analytical & Communication Skills: Strong analytical mindset, with strong understanding of investment risk management, portfolio construction and asset & liability frameworks, excellent written communication, and the ability to translate complex concepts into clear, client-relevant narratives.
- Mindset & Values: Curious, detail-oriented, collaborative, and aligned with Y TREE’s philosophy of intelligent, data-driven, and purpose-led investing.
What's in it for you?
Once eligible, you'll be able to enroll onto our private healthcare plan through Vitality. This includes perks like 50% off premium gym memberships and access to their exclusive rewards programme. Support for your mental health and wellbeing through our employee assistance programme. 25 days of annual leave per year. This is 25 days each year where we expect you to turn your phone off and switch off; we would never ask you to book leave for a doctor's appointment or to see your children's school plays. Regular team socials to help you switch off from work and get to know your colleagues in an environment away from your desk. We ensure socials are well-balanced and offer a variety of activities to suit different needs so you always feel welcome. A welcoming, dog-friendly London office with appropriate spaces to cater for those with varying needs in the form of various breakout spaces and silent booths. A 3% employer pension contribution as standard, with generous additional employer contributions if you choose to make your pension contributions via salary sacrifice. As well as, a range of family-friendly policies, support towards professional qualifications, electric car schemes and more!
Our mission at Y TREE is to build diversity in our teams; diversity of thought, culture, backgrounds and perspectives. Please come as you are and let us know if there are any reasonable adjustments we can make to support you in your application process. Additionally, if you don't feel you meet 100% of the requirements please apply anyway if you feel you can demonstrate your suitability to the role. Please note, that sponsorship is not available for this role.
Financial Modelling Associate in London employer: Y TREE
Y TREE is an exceptional employer that prioritises employee well-being and professional growth within a dynamic WealthTech environment in London. With a strong focus on work-life balance, generous annual leave, and a supportive culture that encourages collaboration and diversity, employees are empowered to thrive both personally and professionally. The company also offers unique benefits such as private healthcare, mental health support, and opportunities for continuous learning, making it an attractive place for those seeking meaningful and rewarding careers.
StudySmarter Expert Advice🤫
We think this is how you could land Financial Modelling Associate in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Y TREE. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Financial Modelling Associate in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Y TREE.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Y TREE's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Y TREE
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Y TREE.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Y TREE will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Y TREE employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
