Senior FP&A Analyst

We’re looking for a Senior FP&A Analyst with strong commercial understanding and a forward-looking analytical mindset to support Zopa’s planning, forecasting and scenario modelling capabilities. This role is focused on producing high-quality analysis, maintaining robust planning outputs and creating decision-ready insight to support long-term planning, and strategic decision-making.

The successful candidate will work closely with teams across Finance, Risk and Product to understand business drivers, challenge assumptions and explain financial impacts clearly. The role offers broad exposure to how a growing bank plans and manages performance, including areas such as credit strategy, impairments, capital and funding.

A day in the life:

• Play a key role in Zopa’s forward-looking planning activities, helping turn commercial, economic and operational drivers into robust forecasts that shape business decisions.
• Deliver budgets, long-term plans and scenario analysis, supporting ICAAP and other capital, strategic and business decision-making activities as they arise.
• Analyse risks, opportunities and implications within forecasts and plans, drawing out key insights, sensitivities and potential management actions for decision-makers.
• Partner with FP&A, Product, Treasury, Credit Strategy, Valuations, Impairments and teams across the business to monitor actual performance, challenge assumptions and ensure key forecast outputs are well understood.
• Prepare clear, decision-ready analysis, commentary and presentations for senior stakeholders and committees.
• Help improve how FP&A works by simplifying processes, strengthening forecasting models and Anaplan outputs, and embracing tools such as AI to make planning and analysis more efficient.

About you:

• Strong financial analysis experience, ideally in retail banking or consumer finance, with a focus on forward-looking planning, forecasting and scenario analysis.
• Ability to translate commercial, economic and operational drivers into clear, credible financial forecasts and projections.
• Comfortable interpreting financial information across P&L, balance sheet, product performance, capital, liquidity and risk.
• Working knowledge of credit risk, impairment forecasting or IFRS 9, with the ability to understand how credit performance and impairment assumptions affect financial performance.
• Able to identify financial risks and opportunities, and explain the implications for business performance, planning and capital decisions.
• Clear communicator, able to turn complex financial information into concise insight for senior and cross-functional stakeholders.
• Strong stakeholder-management skills, with the ability to build trust, gather inputs and challenge assumptions constructively across Finance and the wider business.
• Comfortable working through structured, recurring planning processes while also responding flexibly to ad hoc analysis, projects and strategic initiatives.
• Continuous-improvement mindset, able to improve processes, strengthen outputs and use AI tools to work more effectively.

Bonus points for:

• Deeper experience in consumer finance, retail banking or lending products would be particularly relevant.
• Detailed understanding of banking products, balance-sheet dynamics, capital, liquidity, funding and credit risk.
• Knowledge of impairment forecasting, IFRS 9, ICAAP, ILAAP, recovery planning, stress testing or bank financial planning.
• Experience with Anaplan or comparable planning systems.
• Experience with AI tools and workflow automations.
• Experience preparing high-quality Board and Executive Committee papers.
• A recognised finance or accounting qualification, or progress towards one, such as ACA, ACCA or CIMA.