FP&A Analyst

Our FP&A team helps Zopa make better decisions by turning financial performance into clear, practical insight. This role will work closely with colleagues across lending, savings and current accounts, helping them understand how their products are performing and what may happen next.

You will initially work closely with our Senior FP&A Manager, supporting analysis and business conversations. As you build product knowledge and trust, you will have the opportunity to take more ownership of the story behind the numbers and the conversations that shape future plans.

A day in the life

• Analyse product performance against plan across lending, savings and current accounts.
• Investigate variances across the P&L and balance sheet and explain what is driving them.
• Build clear narratives that help stakeholders understand product economics and performance.
• Identify emerging risks and opportunities, bringing them into planning discussions early.
• Support scenario analysis and forward-looking projections for product teams.
• Work with FP&A and product colleagues to test assumptions and improve decision-making.
• Balance direct-cost analysis, product economics and wider financial performance priorities.
• Manage competing requests while meeting the deadlines that matter in the planning cycle.
• Ask thoughtful questions, escalate issues appropriately and keep improving how the analysis is delivered.

About you

• Have experience in banking or financial services.
• Bring hands-on FP&A, financial planning and forecasting experience.
• Understand how to interpret financial information across the P&L and balance sheet.
• Explain business and financial drivers in a way that supports practical decisions.
• Partner well with product or commercial stakeholders.
• Use curiosity to investigate issues, challenge assumptions and spot what needs further attention.
• Have an understanding of financial modelling and scenario analysis.
• Handle ambiguity, multiple priorities and planning-cycle deadlines with care.
• Take ownership of problems and make a sensible first attempt at solving them.
• Want to keep learning and develop your influence over time.

Bonus points for

• Exposure to retail lending, consumer finance or retail banking products.
• Experience with credit risk, pricing, impairments or valuations.
• Familiarity with Anaplan or another planning system.
• Advanced Excel, SQL, Python or BI-tool capability.
• Experience using AI or automation to improve an analytical process.
• Have, or be working towards, a relevant accountancy, treasury, risk or finance qualification.