Business Analyst (Valuations)

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal [https://monzo.com/current-account/personal] and business [https://monzo.com/business-banking] bank accounts, we offer joint accounts [https://monzo.com/current-account/joint-account], accounts for 16-17 year olds [https://monzo.com/current-account/16-17], a free kids account [https://monzo.com/current-account/under-16s] and credit cards [https://monzo.com/flex] in the UK, with more exciting things to come beyond. Our UK customers can also save [https://monzo.com/savings], invest [https://monzo.com/investments]and combine their pensions [https://monzo.com/pensions] with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍London | 💰£60,000 - £70,000 ➕ Incentive Awards tied to your performance | Benefits [https://monzo.com/careers/] | Hear from the team [https://www.youtube.com/watch?v=U62l09nB0M4] ✨   ⭐ Our Finance team We're looking for a highly proactive, enthusiastic and commercially-minded Financial Reporting Senior Analyst to join our Financial Reporting team, and help us build a world-class finance function. This role would be well suited to a fully qualified Chartered Accountant with an audit background. We have some really exciting challenges coming up like expanding into the European Union, the introduction of Monzo Mobile and Habito to our group, climate change reporting, continuing to grow our customer base, growing our lending business and adding to our marketplace. You’ll work on scaling Monzo in a controlled way, while helping us optimise our financial reporting processes with the help of technology. You’ll join the Finance team and report to our Financial Reporting Manager. 🔑 You’ll play a key role by... * Understanding the business and our products to write insightful management commentary. * Working with our engineers and data teams to automate the production elements of this role, allowing you to focus on the parts of the role where your knowledge and skills provide the most value. * Understanding our accounting system and making sure we are taking advantage of all its features to minimise manual elements of reporting. * Being responsible for ensuring our financial reporting policies, procedures and controls are up to date, relevant and useful for Monzo and importantly are scalable. * Supporting the full year end process, from drafting the annual report to working with external auditors until final sign-off. * Reviewing new products, assessing the accounting and implementing them in our banking platform and accounting system. * Working with the business to assess the impact of changes in accounting standards and make proposals on accounting policy matters for new products launched. * Maintaining existing and develop new controls that protect our financial data and our balance sheet substantiation process * Assisting with the implementation of our new accounting system to make sure we are taking advantage of all its features to minimise manual elements of reporting * Supporting on the production of ESG sustainability reporting and disclosures * Preparing monthly management and adhoc reports, offering meaningful analysis of  movements. * Reviewing and assessing the accounting impact of new contracts, working closely with the business and legal team before contracts are signed to establish the correct accounting treatment.  * Supporting tight processes with our internal finance team to ensure a swift month-end close process. * Resolving miscellaneous inquiries and supporting the overall finance team wherever needed - from forecasting and valuations, to bank transfers and tax policy research! 🤩 We’d love to hear from you if… * You’re a qualified chartered accountant (ACA or CA) and ideally have audit experience combined with financial reporting and control experience outside of practice.  * You have a great eye for detail * You’re fascinated by the banking and regulatory landscape, and have a good understanding of key financial controls * You’re a self-starter and enjoy tackling what needs doing, whether it’s making a bank transfer or pulling together reports for investors * You’re comfortable translating complex information into simple words for people with diverse backgrounds * Highly comfortable with leveraging data to automate reporting and drive efficiency (SQL skills would be a bonus) * You thrive in a dynamic and constantly evolving environment * Nice to have (one or more) * Experience in a listed company or financial services regulated environment.  * US reporting/SOX compliance.  * Strong business partnering/commercial financial acumen.  * ESG reporting/audit of sustainability information (carbon footprint, CFD/CSRD) Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you! 🙌 What’s in it for you 💰£60,000 - £70,000 ➕Incentive Awards tied to your performance . 📍This role is based in our London office and we aim to come in as a team twice a week (usually Tuesdays and Wednesdays). We're open to distributed working within the UK (with ad hoc meetings in London) if required. ⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.  📚£1,000 learning budget each year to use on books, training courses and conferences. 🏡We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.  ➕ Plus lots more! Read our full list of benefits [https://monzo.com/careers/].   🌈 The application journey has 4 key steps Phone call with the Recruiter  Initial video call with hiring manager (30 mins)Technical video call/ meeting with hiring manager and stakeholder (45 mins)Monzo behavioural interview (45 mins) This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!  We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.  We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. [https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo] You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to business-hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else. ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog [https://monzo.com/blog/diversity-and-inclusion], 2026 Diversity and Inclusion Report [https://monzo.com/blog/our-2026-diversity-and-inclusion-report] and 2025 Gender Pay Gap Report. [https://monzo.com/blog/gender-pay-gap-report-2025] We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

Our Story   Hello there. We’re Zopa.   We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com!    We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.    If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife Zopa are looking for a new Senior Credit Strategy Analyst to join our high performing credit analytics and strategy team.   This team is responsible for driving step-change improvements in credit performance by developing risk models, hypothesis testing, and monitoring portfolio trends.      Collaboration is key at Zopa which means you'll work closely with our cross-functional teams including data science, product, and engineers to develop and drive growth strategies, influence strategic decisions and identify new opportunities through the application of leading-edge analytical techniques.       We look for bright individuals with a passion for translating numbers into business opportunities and delivering insights to drive decision-making - if this resonates with you, we'd love to hear from you!    Why join Credit Strategy at Zopa?    - As a Senior Analyst, you will be entrusted to lead on our most complex and highest impact projects.    - You will work in a team that covers a broad remit across lending strategy, credit policy, affordability, fraud, valuations, and pricing.   - Zopa offers a broad range of lending products, including unsecured personal loans (UPL), credit cards, secured loans for the purchase of a car and point-of-sale finance, which all pose different analytical challenges.   - You work with some of the best tech in the industry, such as powerful Python instances for data analysis and machine learning and Redshift for data warehousing.    - All our decisioning systems are built in-house, meaning that we have nearly unlimited flexibility in what we can implement.    - You work in a wider cross-functional product, credit, and data science team, so you will have the opportunity to work alongside, learn from and mentor some of the brightest minds and friendliest people in the industry!