At Kroo Bank, we’re building a better bank from the ground up. One that puts customers first, treats money responsibly, and uses technology to make everyday banking simpler, fairer and more transparent. We’re a fully regulated UK bank, backed by long-term investors, with a growing customer base and big ambitions. We move fast, think carefully, and hold ourselves to high standards, whether that’s how we build products, manage risk, or look after our people.

How you will contribute and key responsibilities:

As a Regulatory Reporting Manager, your key responsibility will be to ensure Kroo Bank delivers accurate, complete, and timely prudential and regulatory reporting in line with applicable rules and supervisory expectations. You will play a critical role in interpreting and applying capital and liquidity requirements, maintaining a robust control environment, and building scalable reporting processes suitable for a fast growing challenger bank. You will partner closely with Treasury to align capital and liquidity reporting with balance sheet activity and liquidity management, and you will be comfortable stepping in to support broader capital and liquidity work where needed to meet deadlines and business priorities. Other responsibilities include:

Own the end to end production, review, and submission of regulatory returns, ensuring accuracy, completeness, and timeliness to internal and external stakeholders.
Maintain and manage the regulatory reporting calendar, including clear ownership of inputs, dependencies, review stages, and final sign off.
Apply strong knowledge of capital and liquidity rules and reporting expectations, translating requirements into practical processes, controls, and documentation.
Partner closely with Treasury on liquidity and balance sheet related reporting, ensuring consistent data, assumptions, and narratives across capital and liquidity submissions.
Perform detailed reconciliations between regulatory reporting outputs and the general ledger and finance systems, investigating and resolving issues and documenting outcomes.
Develop and enhance the regulatory reporting control framework, including interpretations, policies, review checklists, audit trails, and clear escalation pathways.
Support regulatory change activity by assessing impacts, updating methodologies, and implementing process improvements to maintain compliance as rules evolve.
Produce clear management information and commentary for governance forums, highlighting key movements, judgements, risks, and actions.
Respond to internal and external queries including auditors and regulators, providing well evidenced explanations and supporting analysis.
Contribute to broader capital and liquidity activities as required, including supporting internal analysis, governance materials, and cross functional deliverables during peak periods.
Support the ongoing build out of systems, data flows, and documentation to strengthen scalability and reduce manual reporting risk.

Required skills:

Ability to apply strong regulatory knowledge across prudential capital and liquidity requirements, translating rules into practical reporting processes and controls.
Ability to deliver accurate, timely, and well controlled regulatory submissions, with strong attention to detail and robust review discipline.
Ability to partner effectively with Treasury on capital and liquidity reporting, aligning outputs with balance sheet activity and liquidity management.
Ability to perform detailed reconciliations between regulatory returns, the general ledger, and source systems, investigating breaks and driving resolution.
Ability to build and improve regulatory reporting processes in a scaling challenger bank environment, including documentation, control checklists, and audit trails.
Ability to manage a regulatory reporting calendar, dependencies, and stakeholder inputs to meet deadlines consistently.
Ability to respond confidently to regulator and auditor queries with clear explanations, evidence, and supporting analysis.
Ability to operate with sound judgement and effective escalation under deadline pressure, balancing quality with pace.
Ability to communicate complex regulatory topics clearly to varied audiences, producing concise commentary for governance forums.
Ability to work flexibly across wider capital and liquidity tasks as needed, supporting Treasury and Finance deliverables during peak periods.

Required qualifications:

Degree level education or equivalent practical experience in Finance, Accounting, Economics, Mathematics, Data Analytics, or a related discipline.
ACCA, CIMA or ACA qualification is strongly preferred, or demonstrable progress toward ACCA or ACA with relevant FP and A experience.
Evidence of ongoing professional development in financial modelling, forecasting, planning, data analytics, banking capital, or prudential regulation.
Previous experience in a challenger bank is highly desirable, but previous banking experience is essential.

What we offer:

At our cutting-edge fintech company, we know that attracting and retaining the best talent means offering top-notch benefits that help our employees thrive both in and outside of work. Check out what we currently offer:

Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo bank holiday (June 24th), and 1 day off during the week of your birthday.
Personal days: We know that life can be unpredictable, so we offer 3 personal days to use as needed.
Employer-sponsored volunteer program: We're passionate about giving back to our community, and we support our employees in doing the same with up to 4 hours per month of employer-sponsored volunteer time.
Mental health support: We care about the mental health of our team members and offer access to Spill, our mental health support partner.
Workplace pension: We want you to feel secure about your future, so we offer a workplace pension with a 5% employee contribution and a 3% employer top-up.
Top-notch equipment: We provide top-of-the-line equipment necessary for smooth hybrid work, including a MacBook laptop. Additionally, we also offer support in establishing your home office by contributing towards your setup if required.
Modern office: When you're in the office, you'll enjoy access to our modern, bustling workspace in Farringdon (Central London).
Cycle to Work scheme: We encourage sustainable transportation with our Cycle to Work scheme.
Electric Car scheme: We're committed to reducing our carbon footprint, and our Electric Car scheme makes it easy for our employees to do the same.
Enhanced parental leave: We know that family comes first, and we offer an enhanced parental leave policy to support our employees in starting and growing their families.
Room for growth: As a fast-paced, high-growth start-up, we're dedicated to providing our employees with room to grow and excel.
You get full healthcare for you and your nuclear family via Vitality.

Hybrid Working:

At Kroo Bank, we have a hybrid policy that gives both individuals and teams a lot of freedom when it comes to using the office space to boost productivity. We do have a requirement to come into the office maybe once a month. Our London office is a great resource when used effectively, so employees who can occasionally come to the office are a good fit for how we work right now. Keep in mind that this job involves working from Monday to Friday, with a mix of remote and office work, so you will not need to be on site all the time.

Diversity and Inclusion:

We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace. Every employee is highly regarded, respected, and supported without any form of judgement or prejudice. We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank. We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process.

To all Recruitment Agencies:

At Kroo Bank, agency resumes are strictly prohibited. Do not submit agency resumes or forward them to our job advertisements or Kroo Bank employees. Be aware that Kroo Bank will not assume any responsibility for fees incurred due to unsolicited resumes.

To ensure a fair and efficient application process, all candidates are kindly requested to submit their applications directly through the advertised platform. We kindly ask that you refrain from reaching out to the company or its employees via email, LinkedIn, or any other communication channels for inquiries or updates. Please note that any attempts to contact us through these channels will not receive a response. Thank you for your understanding and cooperation.

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Regulatory Reporting Manager