Financial Planning and Analysis Manager at Kroo | London

At Kroo Bank, we are on a mission to redefine banking. Our commitment to customer-centricity, responsible financial practices, and innovative technology drives us to create a banking experience that is simpler, fairer, and more transparent. As a fully regulated UK bank backed by long-term investors, we boast a rapidly growing customer base and ambitious goals. Our culture emphasizes agility, thoughtful decision-making, and maintaining high standards in product development, risk management, and employee welfare.Key Responsibilities:As a Financial Planning and Analysis Manager, you will spearhead Kroo Bank's forecasting, planning, and performance insights across the organization. Your expertise will shape strategic decisions through high-quality financial models, detailed analysis, and effective storytelling. This hands-on role requires proficiency in developing and managing financial models and planning tools from the ground up in our fast-paced environment. You will collaborate closely with senior leaders in Finance, Risk, Product, and Operations to establish scalable forecasting and budgeting processes, ensuring alignment with banking-specific factors such as balance sheet dynamics, capital requirements, liquidity, and regulatory standards.Additional responsibilities include:Creating, managing, and continually enhancing comprehensive financial models encompassing P&L, balance sheet, and cash flow, ensuring transparency, control, and scalability.Leading the bank’s forecasting and planning cycles, including annual budgets, reforecasting, and multi-year planning, while providing clear outputs and variance analyses.Developing driver-based forecasting frameworks for key banking metrics such as net interest income, cost of funds, credit performance, operating expenses, and customer growth.Generating high-quality management reports and performance insights for senior leadership, including commentary on significant fluctuations, risks, and strategic actions.Collaborating with Treasury and Risk teams to ensure that planning reflects balance sheet composition, interest rate trends, and capital and liquidity considerations.Designing and maintaining planning tools using Excel and Google Sheets, enhancing automation and control through advanced formulae, VBA, and structured model governance.Leveraging data and scripting tools like Python to automate repetitive analyses, improve data integrity, and expedite forecasting and reporting workflows.Supporting the development of capital and regulatory-aware planning, ensuring consistency with the bank’s prudential framework and internal risk appetite.Engaging with business owners to challenge assumptions, foster accountability for budgets, and enhance the quality of forecasting inputs organization-wide.Contributing to the development of FP&A processes, templates, and controls.

At Kroo Lending, we empower our customers to achieve their life milestones through responsible borrowing. Whether it’s acquiring a cargo bike for family commutes or replacing an aging boiler, our mission is to provide the support needed for both joyful and practical purchases. Our focus on credit analytics, decision-making, and operational efficiency is central to our ability to offer tailored lending solutions and sustainably grow our business. We have successfully introduced familiar products like overdrafts and unsecured personal loans, and we're excited to scale these offerings.As a bank and a startup, Kroo blends the best of both worlds to create trusted and beloved financial products. Our goal is to enhance the relationship individuals have with their finances, ultimately granting them greater independence and control.The Credit Risk Analyst plays a key role in assessing credit risk, contributing to lending decisions, and monitoring the performance of our unsecured loan portfolio. This position merges fundamental credit risk principles with data-driven analysis, enabling fair, sustainable, and scalable lending in a digital-first environment.Your Contributions:Assist in the development and continuous improvement of credit decisioning rules, scorecards, and underwriting processes aligned with the Bank's risk appetite and strategic objectives.Analyze decisioning engine performance and contribute to the refinement of scorecards, rules, and affordability models.Collaborate with data and product teams to test new data sources and models, including engaging in controlled experiments such as A/B testing.Support pricing analysis by monitoring lending offer performance across various customer segments.Participate in affordability assessments, leveraging Open Banking data to gain insights into customer circumstances and identify potential vulnerability indicators.Monitor key portfolio performance metrics such as arrears, delinquency trends, and cohort behavior, identifying insights and potential risks.Assist in updating credit policies, procedures, and risk appetite frameworks within the lending team.Provide input into product and customer journey enhancements, ensuring credit risk factors are adequately reflected.Contribute to the continuous enhancement of digital onboarding and underwriting processes through data analysis and user feedback.

At Kroo Bank, we are revolutionizing banking by prioritizing our customers, promoting responsible financial practices, and leveraging technology to simplify, enhance, and clarify everyday banking. As a fully regulated UK bank, we are backed by long-term investors, boasting a rapidly expanding customer base and ambitious goals. We operate with agility, careful consideration, and a commitment to high standards in product development, risk management, and employee welfare.Your Role and Responsibilities:As the Regulatory Reporting Manager, your primary responsibility will be ensuring the accuracy, completeness, and timeliness of prudential and regulatory reports in compliance with relevant regulations and supervisory expectations. You will be instrumental in interpreting and implementing capital and liquidity requirements, establishing a robust control framework, and developing scalable reporting processes tailored for a fast-growing challenger bank. Close collaboration with the Treasury team is essential to align capital and liquidity reporting with balance sheet activities and liquidity management. You will also be expected to contribute to broader capital and liquidity initiatives as necessary to meet business deadlines and priorities. Key responsibilities include:Overseeing the complete production, review, and submission of regulatory returns, ensuring accuracy and timeliness for both internal and external stakeholders.Managing the regulatory reporting calendar, clearly defining ownership of inputs, dependencies, review stages, and final approvals.Utilizing your expertise in capital and liquidity regulations to translate requirements into effective processes, controls, and documentation.Collaborating closely with Treasury on liquidity and balance sheet reporting, ensuring consistency in data, assumptions, and narratives across submissions.Conducting thorough reconciliations between regulatory reporting outputs and the general ledger, investigating discrepancies and documenting resolutions.Enhancing the regulatory reporting control framework, including interpretations, policies, review checklists, audit trails, and escalation protocols.Supporting regulatory compliance efforts by evaluating impacts of changes, updating methodologies, and implementing improvements as regulations evolve.Generating clear management information and insights for governance discussions, emphasizing key trends, judgments, risks, and actions.Addressing inquiries from internal stakeholders and external parties, including auditors and regulators, providing well-supported explanations and analyses.Participating in broader capital and liquidity activities as needed, including internal analyses, governance documentation, and cross-functional contributions during peak periods.

Dwelly seeks a Financial Planning & Analysis Manager based in London to guide its financial strategy and planning. This position plays a central role in shaping business performance through detailed analysis and collaboration. Main responsibilities Lead the company’s budgeting and forecasting processes to align with financial targets. Analyze financial data and identify trends that inform business decisions. Collaborate with teams across the organization to provide clear, actionable financial insights. Support leadership by offering recommendations that influence the company’s financial direction. Collaboration and influence This role works closely with colleagues from various departments, providing guidance that helps the team adapt to evolving business needs. The FP&A Manager’s insights play a key part in keeping Dwelly focused on its goals and responding to change effectively.

At Kroo Bank, we're revolutionizing banking by prioritizing our customers, handling finances responsibly, and leveraging technology to simplify and enhance transparency in everyday banking. As a fully regulated UK bank, we are supported by long-term investors, and we are proud of our expanding customer base and ambitious goals. We operate with agility, thoughtful decision-making, and uphold high standards in product development, risk management, and employee care.Your Role and Key Responsibilities:As a Senior Product Manager, you will oversee the complete product lifecycle for initiatives aimed at bolstering Kroo’s financial crime controls, operational effectiveness, and automation capabilities. You will convert intricate risk and operational needs into customer-centric solutions that are safe, compliant, scalable, and measurable. Collaborating with teams across Product, Technology, Data, Operations, Financial Crime, Risk, and Compliance, you will implement enhancements that mitigate risk, lessen operational loads, and improve decision-making processes throughout the bank. Your responsibilities will also include:Crafting a vision for your team, translating it into strategic actions that positively impact our customers' experiences.Collaborating with your team to design and implement secure, reliable, and efficient financial crime and operational workflows across both customer-facing and internal channels.Taking full ownership of your products, managing the entire lifecycle from discovery and planning to market launch and ongoing optimization.Defining and managing your backlog, making necessary trade-offs to deliver customer and business value promptly while maintaining a focus on risk and operational effects.Championing continuous discovery across financial crime, operations, and automation, validating concepts that enhance controls, efficiency, auditability, and customer outcomes through insights and experimentation.Translating complex requirements and evolving regulations into clearly defined product specifications, user stories, and acceptance criteria to enable high-quality delivery.Partnering with Financial Crime stakeholders to enhance preventive and detection capabilities in areas like AML, CTF, sanctions, fraud, and transaction monitoring, in alignment with the bank’s risk appetite.Working with Operations teams to streamline processes, identify challenges, eliminate unnecessary manual tasks, and deliver measurable service, productivity, and quality improvements.Leading automation projects that minimize manual tasks and errors, including workflow tools, case management enhancements, rules optimization, straight-through processing, and intelligent decision-making.Making data-driven decisions and taking decisive actions when data is limited, utilizing insights, experimentation, sound judgment, and thorough documentation of rationale.

At Skin + Me, we are driven by a mission to revolutionize skincare with ambitious goals.We are seeking a skilled Financial Planning & Analysis Analyst to join our dynamic Finance Team. This is a hybrid position, requiring three days a week at our Paddington headquarters (Monday, Tuesday, and Friday), with the flexibility to work from home on Wednesdays and Thursdays.Role Overview:As the FP&A Analyst, you will serve as the analytical and commercial backbone of our finance department, collaborating with leadership across our three brands to foster data-driven decision-making. You will take charge of budgeting and forecasting cycles and provide the financial insights that will help shape our strategic direction.Key Responsibilities:Manage the comprehensive budgeting, forecasting, and long-range planning across Skin + Me, Hair + Me, and Renew + Me.Develop and sustain robust financial models that guide strategic decisions, including pricing strategies, channel distribution, product launches, and market expansion.Produce monthly management reports, variance analyses, and KPI dashboards for the CFO and broader leadership team.Collaborate closely with Marketing, Operations, and Product teams to translate commercial activities into financial outcomes.Oversee the monthly business review process, delivering insightful commentary on performance against plans while identifying risks and opportunities.Assist with investor reporting, board presentations, and ad-hoc analyses for fundraising and strategic initiatives.Enhance unit economics, cohort analyses, and LTV/CAC frameworks tailored for our subscription-based, multi-brand DTC business.Promote continuous enhancement of financial systems, tools, and processes, ensuring our FP&A infrastructure scales alongside our rapid growth.Mentor and develop junior finance team members as the function expands.

Join Kroo: Pioneering Financial IntegrityAt Kroo, we envision a future where banking is both trusted and cherished by customers. We empower individuals to take charge of their financial destinies while striving to make a positive environmental impact.Integrity, transparency, and honesty are at the core of our values. We think big, dream big, and are committed to continuous learning and growth. Join us on this exciting journey where boldness and collaboration drive our success.Your Role:We are on the lookout for a proactive and detail-oriented Senior Financial Crime Investigator to enhance our First Line Financial Crime Operations. Your expertise will play a crucial role in combating financial crime and ensuring our customers' trust.Key Responsibilities:AML/CTF and Fraud Management: Lead comprehensive investigations into Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and fraud cases, including the preparation of Suspicious Activity Reports (SARs).Alert Investigation: Conduct thorough investigations into alerts regarding Sanctions, Politically Exposed Persons (PEP), Transaction Monitoring, and Adverse Media.Regulatory Awareness: Apply strong judgment and decision-making within established risk parameters, contributing to wider risk discussions.Trend Analysis: Analyze data to detect emerging financial crime trends and improve detection strategies.Process Improvement: Enhance financial crime prevention processes, ensuring compliance with regulatory standards.Customer Service Support: Provide expert guidance to the Customer Service team on mitigating risks and resolving issues.

Join Kroo: Pioneering a New Era in BankingKroo is on a mission to reshape banking by becoming the first institution that is both trusted and cherished by our customers. We empower individuals to take charge of their financial futures while making a meaningful impact on the environment. Integrity, transparency, and honesty are at the core of our values. We think big, dream even bigger, and pursue our ambitions with unwavering determination. Our bold approach encourages innovation and constant learning as we embark on this transformative journey together.Our diverse team comprises experienced professionals from various fields, including technology, banking, customer experience, marketing, and legal, all united by a shared passion for our mission. Through collaboration, we are building the world’s leading social bank, focused on understanding customer needs and behaviors. This insight fuels our development of innovative products that create enduring positive change in people’s lives.As part of our commitment, our FinCrime Operations Quality Assurance team works closely with the Training department, forming a dynamic unit dedicated to ensuring excellence in every aspect of our work.Your Contributions Will Include:Understanding the processes and procedures of the financial crime team.Developing QA scorecards aligned with the QA Framework for financial crime processes.Performing regular and ad-hoc Quality Checks (QC) on the work of financial crime analysts and the FinCrime Operations processes.Conducting root cause analysis to identify issues and areas for enhancement.Writing comprehensive QA summaries and providing constructive feedback to financial crime and Team Leaders for ongoing performance management.Facilitating the training requirements of the FinCrime Operations teams through regular coaching and quality training sessions to elevate individual and team performance.Creating QA Management Information (MI) and delivering feedback to stakeholders regularly.Presenting QA findings to senior stakeholders during regular QA meetings.Assisting the team in refining internal processes by implementing best practices.We are excited to expand our team at Kroo and invite you to join us on this incredible journey!

Join our dynamic team at kraken123 as a Financial Planning and Analysis (FP&A) Manager. In this pivotal role, you will oversee financial forecasting, budgeting, and analysis, providing valuable insights to drive strategic decision-making. You will collaborate closely with various departments to enhance financial performance and ensure alignment with our corporate goals.

About NextStep NextStep connects experienced consulting professionals with tailored roles through intelligent, AI-driven matching. Working with a range of companies, NextStep places experts where their impact matters. This search is on behalf of a client within the NextStep partner network. About the Client The client is a FTSE 100 industrial and engineering company headquartered in London, with operations spanning more than 35 countries and annual revenues of £4.5 billion. Following a recent CFO appointment, the company is modernizing its Finance function, with a focus on strengthening Planning & Analysis to deliver sharper management information and commercial support to the Group Executive Committee. Role Overview The Director of Financial Planning & Analysis will lead the FP&A function for the group. This position oversees the entire planning cycle, drives improvements in financial reporting and analysis, and builds a strong commercial finance culture. The role manages a team of 10 and sits within the Finance leadership team, shaping processes, tools, and business partnership approaches. Main Responsibilities Oversee the group’s annual budgeting, quarterly reforecasting, and long-term planning, with a focus on quality, efficiency, and actionable insights. Direct the production of Group management accounts, investor reports, and Board-level financial presentations. Develop and maintain a group-wide financial model for scenario planning, M&A analysis, and strategic decision support. Work closely with divisional CFOs and commercial leaders to improve the quality and speed of financial analysis and support. Lead the rollout of planning tools and automate reporting processes to reduce manual effort and strengthen analytical capabilities. Location London

Role Overview Kroo is hiring a Director of Credit Risk Management in London. This leader will oversee credit risk identification, assessment, and management across the company's financial operations. Main Responsibilities Develop and implement credit risk frameworks to support sound lending practices and regulatory compliance. Lead and mentor a team of credit analysts, building a culture focused on proactive risk management. Work closely with senior management to improve risk assessment processes and support strategic business initiatives. Location London, England, United Kingdom

At Kroo Bank, we are revolutionizing banking from the ground up, focusing on customer-centric services, responsible money management, and technology that simplifies everyday banking. As a fully regulated bank in the UK, supported by committed long-term investors, we are ambitious and rapidly expanding our customer base. We pride ourselves on our agility, thoughtful decision-making, and adherence to high standards in customer engagement, product development, risk management, and employee welfare.Your Role and Responsibilities:As an Associate in Structured Finance, you will play a pivotal role in supporting the origination, structuring, execution, and management of structured lending transactions, integral to Kroo's growth strategy. In a dynamic challenger bank environment, you will engage in every aspect of the transaction lifecycle, conducting in-depth credit analysis, financial modeling, documentation preparation, and portfolio performance monitoring while interfacing with clients and originators. Key responsibilities include:Assisting the Head of Structured Assets in identifying structured lending opportunities across various originators, sponsors, and asset classes, cultivating and sustaining a robust opportunity pipeline.Creating and refining comprehensive financial models for asset-backed and cash-flow lending transactions, including return analysis and sensitivity assessments.Drafting indicative terms and commercial proposals, evaluating RWAs, RAROC, ROE, and NIM, while contributing to internal pricing and structuring discussions to optimize structure, pricing, and capital efficiency.Developing clear, well-supported credit papers for review by the Executive Committee, Credit Committee, and Board, ensuring a thorough presentation of risks and mitigations.Facilitating detailed due diligence for borrowers, sponsors, and originators, collaborating with internal and external stakeholders to validate assumptions and pinpoint potential risk areas.Analyzing financial statements, business plans, collateral performance, and cash flow forecasts to assess creditworthiness, repayment capacity, and risk factors.Identifying, documenting, and monitoring key risks—market, operational, legal, and concentration risks—ensuring compliance with internal credit policies and expectations from the PRA and FCA.Collaborating with internal and external legal counsel to negotiate facility agreements and transaction documentation, ensuring alignment with commercial intent and credit approvals.Coordinating completion mechanics, including tracking conditions precedent, securing internal approvals, funding, treasury requirements, and operational readiness to facilitate smooth execution.Monitoring portfolio performance and covenant compliance, proactively identifying and addressing issues as they arise.

Role Overview Deliveroo is seeking a Financial Planning & Analysis (FP&A) Analyst to help shape the company’s global financial planning, budgeting, and analysis. This position sits at The River Building HQ in London and follows a hybrid work model, with three days per week in the office. What You Will Do Support group-level financial planning and budgeting processes Produce accurate forecasts and deliver clear, actionable analyses Consolidate financial reporting across the organization Work closely with the FP&A Manager to inform operational and strategic decisions Who We’re Looking For Finance professional with strong analytical skills and attention to detail Ability to turn complex data into practical insights Experience in FP&A, ideally at the group level Background in a similar role within a rapidly changing environment is preferred Location & Work Model This role is based in London at Deliveroo’s River Building headquarters. The team works in a hybrid pattern, with three days each week in the office.

About KrooKroo is on a mission to redefine banking by being the first financial institution that is genuinely trusted and cherished by its customers. We empower individuals to take charge of their financial destinies and reach their aspirations while positively contributing to the environment.At Kroo, integrity, transparency, and honesty are at the core of our values. We aim high, dream big, and are unwavering in our pursuit of excellence. Innovation and continuous learning are part of our ethos, and we are committed to this journey together.As a Vulnerable Customer Support Specialist, you will take a proactive role in managing customer vulnerabilities, ensuring outstanding service for those with additional needs, and providing valuable insights to enhance processes and workflows. Join us as we continue to grow and make a difference!

About General AtlanticGeneral Atlantic is a distinguished global investment firm with over 45 years of experience, providing capital and strategic support to more than 830 companies. Founded in 1980, we have remained committed partners to visionary entrepreneurs and investors focused on building dynamic businesses that create long-term value. We believe in the power of entrepreneurs as agents of transformational change, and our collaborative global approach, sector-specific expertise, and deep understanding of growth drivers enable us to partner with and scale innovative businesses worldwide. We utilize our patient capital and operational expertise to support a diverse investment platform that includes Growth Equity, Credit, Climate, and Sustainable Infrastructure strategies. As of December 31, 2025, we manage approximately $123 billion in assets across various strategies, with a team of over 900 professionals across 20 countries. For more information, visit www.generalatlantic.com.About ActisIn October 2024, General Atlantic acquired Actis, which now functions as its Sustainable Infrastructure segment alongside its Growth Equity, Credit, and Climate strategies. Actis is a premier investor in sustainable infrastructure, committed to generating competitive returns for institutional investors while making a measurable positive impact on the communities it serves. Actis focuses on key structural themes that foster long-term, equitable growth in essential infrastructure related to energy transition, digital transformation, and supply chain innovation. With decades of global experience and operational proficiency, Actis is dedicated to creating global sustainability leaders at scale. To date, Actis has raised $26 billion for future investments. Actis is also a proud signatory of the UN-backed Principles for Responsible Investment (UNPRI) and has consistently achieved top ratings in independent assessments. Learn more about Actis at www.act.is.Key Purpose of RoleThe Senior Associate will play a pivotal role by collaborating closely with the existing Financial Planning & Analysis (FP&A) teams across EMEA and the US. This position is integral to enhancing our financial models and operational insights, contributing to the development of a world-class financial framework.

Join Capi, where we enable businesses in emerging markets to efficiently pay their international suppliers with ease, speed, and fairness.With over $18 million in support from prestigious investors such as Creandum, Y Combinator, General Catalyst, and notable angels from Revolut, Checkout, Stripe, and Remitly, we are developing the financial infrastructure that emerging markets truly need.By simplifying global trade, we empower local businesses to accelerate their growth, expand their workforce, and stimulate economic prosperity within their communities.Our mission is centered around boosting GDP in emerging markets by enhancing the fairness and accessibility of the global financial system. We aim to streamline global trade processes, making it easier for importers to pay their international suppliers. Our platform fosters rapid business growth, job creation, and positions businesses as key drivers of prosperity in their nations.We are a dynamic team of approximately 80 individuals across 10 countries, characterized by ambition and a passion for impactful work. We are eager to welcome more talented individuals to our team!Explore Capi’s mission & values.The RoleWe are searching for an FP&A Lead to take charge of and expand our commercial finance capabilities.This pivotal, hybrid role sits at the crossroads of finance, strategy, and analytics. Reporting directly to the Head of Finance, you will significantly influence how the company plans, evaluates, and comprehends its performance—while also fortifying the foundational data pipelines and models that drive these insights.This position offers notable visibility among leadership and operational teams, direct interaction with various business verticals, and ample opportunities for professional advancement as the company grows.Key ResponsibilitiesFP&A & Commercial FinanceOversee comprehensive FP&A processes including annual budgeting, rolling forecasts, long-term planning, and scenario analysis.Develop and sustain robust financial models to bolster strategic decision-making, fundraising efforts, and growth initiatives.Establish, monitor, and continuously refine core KPIs and unit economics across product lines, revenue streams, and operational practices.Collaborate closely with cross-functional teams to ensure alignment with financial goals and objectives.

Join OakNorth Bank, the premier banking institution for the UK’s most ambitious businesses. Since our inception in 2015, we have provided over $21 billion in loans across the UK and US, empowering businesses to grow, create jobs, and build for the future while ensuring robust outcomes for our customers and savers.We pride ourselves on supporting businesses that challenge conventional banking models by blending expert human judgement with cutting-edge technology to deliver customized lending solutions.We are currently seeking an outstanding Head of Finance, Planning & Analysis to play a crucial role in shaping our financial strategy and driving impactful decision-making throughout the organization. In this strategic position, you will closely collaborate with the CEO, CFO, European Leadership Team (ELT), and senior leaders to enhance performance, identify commercial opportunities, and support OakNorth’s ambitious growth and diversification initiatives.As OakNorth rapidly expands its presence in the US, this role will be instrumental in leading our financial strategy, performance management, and the integration of this expansion into our group planning and reporting frameworks.Operate at the intersection of strategy and execution by providing valuable insights to leadership while developing and refining the analytical frameworks that facilitate smarter, faster, and more informed decisions. This is a unique opportunity to influence the financial trajectory of one of the UK’s most successful and innovative fintech companies as we scale across new products, regions, and distribution channels.

At Kroo Bank, we are reinventing banking by creating a customer-centric institution that prioritizes responsible financial management and leverages technology to provide a seamless, equitable, and transparent banking experience. As a fully regulated UK bank with strong backing from long-term investors, we are committed to sustainable growth and innovation, all while maintaining high standards in product development, risk management, and employee welfare.Your Role and Key Responsibilities:In the position of Treasury Manager, you will play a pivotal role in constructing and managing Kroo Bank's treasury balance sheet and liquidity portfolio, ensuring high-quality execution, market insight, and disciplined risk management. You will operate as a treasury dealer focused on execution, while also taking on a comprehensive treasury generalist role that supports daily trading activities across cash, bonds, and money markets. You will be instrumental in embedding rigorous governance practices across liquidity, funding, and interest rate risk, including IRRBB. Building strong relationships with brokers and counterparties, you will gain a deep understanding of the UK challenger retail bank product suite and collaborate closely with Finance, Risk, and Product teams to ensure that treasury operations align with our growth objectives. Additional responsibilities include:Monitoring liquidity, funding, and market conditions to effectively manage the Bank's cash position and liquidity buffers in accordance with our risk appetite and policies.Executing treasury trades across various instruments including RMBS, Covered bonds, and money market products, ensuring optimal execution, accurate documentation, and timely settlements.Managing a portfolio of high-quality liquid assets, investment securities, and short-dated instruments, while performing risk-weighted asset calculations aligned with the Bank's liquidity strategy and regulatory requirements.Assisting in the management and reporting of interest rate risk, including IRRBB, and contributing to the analysis of behavioral assumptions, hedging quantification, execution, and oversight metrics.Supporting the development and ongoing management of the treasury asset portfolio, including eligibility assessments, limit monitoring, and documentation to ensure governance and audit trails.Fostering strong relationships with brokers, trading counterparties, and key market infrastructure providers to facilitate efficient execution and market access.Contributing to the evolution of treasury policies, procedures, and controls, ensuring compliance with internal standards and regulatory expectations in all dealings, confirmations, reconciliations, and record-keeping activities.Collaborating with Finance and Risk to assist with month-end processes, valuation checks, P&L attribution, balance sheet substantiation, and management information reporting.

Location: London, England, United Kingdom Team Overview Kroo’s underwriting team combines data analysis with a commitment to understanding real customer behavior. The group plays a central role in evaluating credit applications and shaping lending practices as the bank grows. Integrity, transparency, and continuous learning shape the way the team works together. What You’ll Do Assess and make decisions on consumer credit applications up to £25,000 using open banking data, credit bureau reports, and application details. Analyze income and affordability, focusing on customer transactions and cash flow through open banking sources. Evaluate credit risk and decide on approvals or declines in line with Kroo’s policies, risk appetite, and regulatory requirements. Identify and document potentially fraudulent or suspicious applications, including performing KYC and fraud checks when needed. Apply sound judgment to near-prime cases, balancing customer outcomes with risk management. Work closely with colleagues in underwriting, risk, and operations to support a smooth customer experience. Help improve underwriting processes, controls, and decision standards as the team evolves. Maintain strong knowledge of Kroo’s products and understand how underwriting decisions affect customer experience and portfolio results. Keep up to date with UK regulations and compliance standards relevant to consumer lending. What We’re Looking For At least 2 years of experience in credit underwriting or credit risk assessment. Solid understanding of consumer lending, affordability checks, and credit risk concepts. Hands-on experience analyzing open banking data for income and affordability assessments. Strong analytical skills with attention to detail in risk review and decision-making. Clear communication and effective interpersonal skills. Kroo is growing and welcomes those who want to help shape the future of banking with a focus on trust and customer impact.

Location: London, UK (Hybrid: in-office Tuesday to Thursday) Department: Finance Reports to: Head of Finance Role overview The Financial Planning and Analysis Analyst helps deliver financial insights that guide NexGen Cloud’s decisions as the company expands its customer base, operations, and product lines. This position manages essential financial planning and analysis activities, working closely with leadership to interpret performance data, identify opportunities, and support data-driven choices. What you will do Support the financial planning and analysis cycle, providing timely and accurate information to leadership. Help leadership understand key performance metrics and financial trends. Assist in identifying business opportunities and risks through data analysis. Contribute to informed, data-driven decision making as NexGen Cloud grows its operations and product offerings.