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:
As a Head of Financial Planning and Analysis, your key responsibility will be to lead Kroo Bank’s forecasting, planning, and performance insight across the business, helping to shape strategic decisions through high quality models, robust analysis, and clear storytelling. This role is hands-on and execution focused, requiring you to build and run your own financial models and planning tools, often from scratch, in a fast growing challenger bank environment. You will partner closely with senior stakeholders across Finance, Risk, Product, and Operations to develop scalable forecasting and budgeting capabilities, while ensuring alignment with banking specific drivers including balance sheet dynamics, capital, liquidity, and regulatory expectations. Other responsibilities include:

Build, own, and continuously improve end to end financial models covering P&L, balance sheet, and cash flow, ensuring they are transparent, well controlled, and scalable.
Lead the Bank’s forecasting and planning cycles including annual budget, reforecasting, and multi year planning, producing clear outputs and variance explanations.
Develop driver based forecasting frameworks for key banking metrics including net interest income, cost of funds, credit performance, operating costs, and customer growth.
Produce high quality management information and performance insight for senior leadership, including commentary on key movements, risks, and actions.
Partner with Treasury and Risk stakeholders to ensure planning reflects balance sheet composition, interest rate dynamics, and capital and liquidity considerations.
Build and maintain planning tools in Excel and Google Sheets, improving automation and control through advanced formula design, VBA where appropriate, and structured model governance.
Use data and scripting tools such as Python to automate repeatable analysis, improve data quality, and accelerate forecasting and reporting processes.
Support the development of capital and regulatory aware planning, ensuring assumptions and outputs are consistent with the Bank’s prudential framework and internal risk appetite.
Work with business owners to challenge assumptions, embed accountability for budgets, and improve the quality of forecasting inputs across the organisation.
Contribute to the build out of FP and A processes, templates, and controls suitable for a regulated challenger bank, including documentation and audit ready working practices.
Support investor, Board, and committee reporting requirements through high quality packs, scenario analysis, and sensitivity modelling.

Required skills:

Ability to build, run, and maintain end to end financial models independently, with strong structure, controls, and transparency.
Ability to deliver accurate forecasting, budgeting, reforecasting, and multi year planning in a banking environment using driver based methodologies.
Ability to demonstrate advanced Excel capability and strong proficiency in Google Sheets, including complex modelling, scenario analysis, and robust model control.
Ability to improve efficiency through automation, including VBA and repeatable tooling and templates.
Ability to use Python to automate analysis, improve data integrity, and build scalable forecasting and reporting workflows.
Ability to demonstrate strong understanding of banking financial drivers including P&L, balance sheet, net interest income, cost of funds, and operating cost levers.
Strong knowledge of capital and other prudential concepts and their impact on planning and decision making and the ability to model accordingly.
Ability to work effectively in a challenger bank or high growth environment, showing initiative and ownership and being comfortable building processes from scratch.
Ability to partner with senior stakeholders, challenge assumptions constructively, and drive accountability for inputs and outcomes.
Ability to communicate complex analysis clearly, producing concise performance insight and recommendations for senior leadership and governance forums.

Required qualifications:

Degree level education or equivalent practical experience in Finance, Accounting, Economics, Mathematics, Data Analytics, or a related discipline.
Professional accounting qualification is required, for example CIMA, ACA or ACCA.
Evidence of ongoing professional development in financial modelling, forecasting, planning, data analytics, banking capital, or prudential regulation.
Previous experience in a challenger bank, fintech, or high growth financial services environment where building from scratch is required is highly desirable.

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. 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 won't 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.

1 Job for Cost Of Funds in the United Kingdom

Head of Financial Planning and Analysis