Financial Controller

• Own daily settlement reconciliations and cash flow monitoring, escalating issues promptly to the Head of Finance
• Manage the general ledger, including journal entries, month-end and year-end close, and balance sheet reconciliations
• Prepare monthly management accounts, statutory financial statements, and ad hoc reports
• Lead VAT returns, regulatory compliance filings, and audit preparation
• Monitor and manage liquidity on an ongoing basis, with particular attention to settlement flows and funding positions
• Build and maintain robust internal controls and accounting policies suited to a fast-scaling, regulated fintech environment
• Oversee accounts payable, accounts receivable, and bank reconciliations
• Manage the relationship with an India-based operations team who process and push reconciliation data - your role is to audit, validate, and act where needed
• Indirectly manage relationships with five third-party vendors involved in reconciliation processes
• Support the Head of Finance on capital raising, debt financing, and future securitisation activity
• Contribute to process improvement and automation as the business scales

• Qualified accountant (ACA or ACCA preferred
• CIMA considered)
• Four to five years of relevant post-qualification experience in financial control
• Demonstrable experience in high-frequency, daily settlement or cash management environments (e.g. credit cards, remittance, D2C, payments, or manufacturing with complex cash flows)
• Strong UK GAAP technical accounting knowledge
• Comfortable with hands-on operational finance work as well as reporting and controls
• Excellent attention to detail and a genuine risk-awareness mindset
• Clear, confident communicator - able to convey financial information to senior stakeholders including the CEO

• Direct experience in credit card issuing, consumer payments, remittance, or regulated fintech environments
• Experience working in an early-stage or scaling business where processes are still being built
• Familiarity with IFRS or willingness to move toward it

bonus