Overview
The CFO is an ExCo member and a key voice in the business’s most consequential decisions. You will report directly to the CEO and work closely with the senior leadership team on everything from day-to-day financial management to fundraising, product economics and Board-level strategy.
Treasury and Data Insight report into the CFO. This is a hands-on leadership role.
Strategic & Commercial
• Be a genuine partner to the CEO and wider Executive team on commercial strategy
• Own the financial model end-to-end: multi-stream revenue forecasting, unit economics, cohort LTV, terminal customer value and scenario planning
• Shape capital allocation decisions — where to invest, where to hold back and how to sequence growth against the EBITDA trajectory
• Lead investor relations: prepare and present financial reporting to the Board and existing investors, and support fundraising processes as required
• Develop and stress-test new commercial models as the product suite expands
Financial Management & Reporting
• Take overall control of the company’s accounting, management reporting and financial control environment
• Own the annual budgeting and quarterly re-forecasting cycle; drive accountability across the business against budget
• Deliver monthly Board and ExCo financial packs with sharp, insightful commentary, not just data
• Ensure robust financial systems and controls that scale with growth and satisfy FCA expectations
• Manage year-end, statutory accounts, audit and tax, including partial VAT exemption requirements
Treasury & Client Money
• Own the treasury function, which manages significant customer assets across the company’s regulated products
• Ensure full compliance with CASS client money and custody rules; lead the CASS oversight framework
• Manage interest rate and margin dynamics, including pricing strategy and bank counterparty relationships
• Maintain and evolve cash management policies appropriate for an FCA-regulated firm of scale
Regulatory & Governance
• Hold or be capable of holding a Senior Management Function (SMF) designation under the FCA’s Senior Managers & Certification Regime (SM&CR)
• Ensure FCA regulatory filings are accurate, timely and well-evidenced
• Maintain and communicate up-to-date financial policies; provide proactive regulatory horizon-scanning on financial matters
• Support the Board and Audit Committee with governance requirements as the business scales
Data Insight
• Own the Data Insight team, ensuring a deep, commercially sharp understanding of customer behaviour, product pricing and business performance
• Translate data into decisions: cohort analysis, retention curves, channel economics and forward-looking revenue modelling
What We’re Looking For
We will be specific about what matters, and equally specific about what doesn’t.
Essential
• Meaningful experience in a consumer fintech, retail investment platform or digital wealth management business — you understand how consumer financial products work at scale, how customers behave and what drives lifetime value
• Deep FP&A and commercial finance capability: multi-stream revenue modelling, unit economics, cohort LTV, terminal customer value, CAC and payback period analysis — this is the analytical engine of the role
• Experience in FCA-regulated environments with direct accountability, ideally as a Material Risk Taker (MRT) or holder of an SMF designation under SM&CR
• Hands-on experience running or overseeing a CASS-compliant client money or custody function. You understand the operational and regulatory obligations of holding customer assets
• A strong grip on treasury: interest rate dynamics, margin management, bank counterparty relationships and liquidity management
• Qualified accountant (ACA, ACCA, CIMA or equivalent) with a genuinely commercial orientation — the finance fundamentals are table stakes; it is your business instinct that will set you apart
• Experience as a CFO or FD in a VC or PE-backed growth business, comfortable with the pace and ambiguity of a scaling company
• London-based and able to work from the company’s London office three days a week
Highly Valued
• Experience in wealth management, investment platforms or regulated consumer financial products — you understand customer asset economics, rate dynamics and the regulatory overlay
• Active interest in fintech — you read the space, have opinions on it and are genuinely excited about where it is going
• Comfort using AI tools in a professional context to accelerate analysis, modelling and reporting
