FP&A Analyst

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 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. #LI-LK1 At Zopa we value flexible ways of working. We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2-3 days a week. You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one. *Subject to having the right to work in the country of choice   Diversity Statement Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.    Our approach to AI in interviews At Zopa, AI isn't something we're testing out — it's part of how we work every day. As a proud partner of Jobs 2030, we're committed to building AI fluency across our workforce, and we expect Zopians to use AI as part of how they do their jobs.  Because of that, we want to be transparent about how we think about AI use during our hiring process.  Behavioural and competency-based interviews: please don't use AI. These conversations are designed to understand you — your experiences, your judgment, and how you've approached real situations. An AI-generated answer can't tell us that. What it can do is get in the way of us finding out whether we're the right fit for each other.  Technical interviews: it depends on the role. Some technical stages actively welcome AI use, others don't. Your Talent Partner will let you know what's expected at each stage. Where AI is part of the assessment, we'll be interested not just in the outcome, but in how you used it – the tools you chose, your reasoning, and the decisions you made along the way.