Head of Financial Planning and Analysis (90BFC05)

Referment is working with a fully regulated UK challenger bank that is rebuilding retail banking around a mobile app, backed by long-term investors and a growing customer base. They are looking for a Head of Financial Planning and Analysis to lead forecasting, planning and performance insight across the business, helping to shape strategic decisions through high-quality models, robust analysis and clear storytelling.This is a hands-on, execution-focused role. You'll build and run the bank's financial models and planning tools yourself, often from scratch, in a fast-growing challenger environment, partnering closely with senior stakeholders across Finance, Risk, Treasury, Product and Operations so planning reflects banking-specific drivers such as balance sheet dynamics, capital, liquidity and regulatory expectations.The role is based in London and works Monday to Friday, with a mix of remote and office time.The RoleBuild, own and continuously improve end-to-end financial models covering P&L, balance sheet and cash flow, keeping them transparent, well controlled and scalable.Lead the bank's forecasting and planning cycles, including annual budget, reforecasting and multi-year planning, with clear outputs and variance explanations.Develop driver-based forecasting frameworks for key banking metrics such as net interest income, cost of funds, credit performance, operating costs and customer growth.Produce high-quality management information and performance insight for senior leadership, with commentary on key movements, risks and actions.Partner with Treasury and Risk so planning reflects balance sheet composition, interest rate dynamics, and capital and liquidity considerations.Build planning tools in Excel and Google Sheets, with advanced formula design, VBA where appropriate and structured model governance, and use Python to automate repeatable analysis and accelerate forecasting and reporting.Support capital- and regulatory-aware planning 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.Help build out FP&A processes, templates and controls suitable for a regulated challenger bank, including audit-ready working practices.Support investor, Board and committee reporting through high-quality packs, scenario analysis and sensitivity modelling.What We're Looking ForAbility to build, run and maintain end-to-end financial models independently, with strong structure, controls and transparency.Accurate forecasting, budgeting, reforecasting and multi-year planning in a banking environment, using driver-based methodologies.Advanced Excel and strong Google Sheets capability, including complex modelling, scenario analysis and robust model control, plus VBA and repeatable tooling and templates.Python skills to automate analysis, improve data integrity and build scalable forecasting and reporting workflows.Strong understanding of banking financial drivers, including P&L, balance sheet, net interest income, cost of funds and operating cost levers, and of capital and prudential concepts, with the ability to model their impact on planning and decisions.Comfort in a challenger bank or high-growth environment, showing initiative and ownership and building processes from scratch.Ability to partner with senior stakeholders, challenge assumptions constructively and communicate complex analysis clearly to senior leadership and governance forums.QualificationsDegree-level education or equivalent practical experience in Finance, Accounting, Economics, Mathematics, Data Analytics or a related discipline, plus a professional accounting qualification such as CIMA, ACA or ACCA, which is required. Evidence of ongoing professional development in financial modelling, forecasting, planning, data analytics, banking capital or prudential regulation is valuable, and previous experience in a challenger bank, fintech or high-growth financial services environment is highly desirable.This could suit a senior FP&A manager or head of FP&A from a challenger bank, fintech or high-growth financial services business who wants to own the whole planning capability, from models and cycles to governance, rather than inherit a finished process.#Referment