Kroo

Financial Planning and Analysis

• As a Head of Financial Planning and Analysis, your key responsibility will be to lead Kroo Bank’s forecasting, planning, and performance insight across the business, helping to shape strategic decisions through high quality models, robust analysis, and clear storytelling.
• This role is hands-on and execution focused, requiring you to build and run your own financial models and planning tools, often from scratch, in a fast growing challenger bank environment.
• You will partner closely with senior stakeholders across Finance, Risk, Product, and Operations to develop scalable forecasting and budgeting capabilities, while ensuring alignment with banking specific drivers including balance sheet dynamics, capital, liquidity, and regulatory expectations.
• Other responsibilities include:
• Build, own, and continuously improve end to end financial models covering P&L, balance sheet, and cash flow, ensuring they are transparent, well controlled, and scalable.
• Lead the Bank’s forecasting and planning cycles including annual budget, reforecasting, and multi year planning, producing clear outputs and variance explanations.
• Develop driver based forecasting frameworks for key banking metrics including net interest income, cost of funds, credit performance, operating costs, and customer growth.
• Produce high quality management information and performance insight for senior leadership, including commentary on key movements, risks, and actions.
• Partner with Treasury and Risk stakeholders to ensure planning reflects balance sheet composition, interest rate dynamics, and capital and liquidity considerations.
• Build and maintain planning tools in Excel and Google Sheets, improving automation and control through advanced formula design, VBA where appropriate, and structured model governance.
• Use data and scripting tools such as Python to automate repeatable analysis, improve data quality, and accelerate forecasting and reporting processes.
• Support the development of capital and regulatory aware planning, ensuring assumptions and outputs are 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.
• Contribute to the build out of FP and A processes, templates, and controls suitable for a regulated challenger bank, including documentation and audit ready working practices.
• Support investor, Board, and committee reporting requirements through high quality packs, scenario analysis, and sensitivity modelling.

Head of Financial Planning and Analysis

General

• **How you will contribute:**
• As a Cash Reconciliation Specialist, you will play a key role in ensuring the accuracy and integrity of our financial operations. Working closely with both our Finance and Operations teams, you’ll help manage the reconciliation processes to ensure timely and accurate balancing of financial transactions. Your focus will be on managing payment reconciliations, investigating discrepancies, and collaborating with various internal and external stakeholders to drive improvements and maintain a high level of operational accuracy. Other responsibilities include:
• - Perform daily reconciliations across internal cash ledgers and external bank statements, ensuring completeness, accuracy, and timely sign off.
• - Reconcile payment scheme and settlement accounts, investigating variances and ensuring accurate posting and settlement finality.
• - Identify, investigate, and resolve cash breaks, including unmatched items, timing differences, failed payments, and posting errors, maintaining clear audit trails.
• - Work closely with Payment Operations and Finance to resolve exceptions, track ageing items, and ensure appropriate escalation for high risk or high value breaks.
• - Support month end close by ensuring all reconciliations are complete, reconciling control accounts, and preparing evidence for Financial Control review.
• - Maintain and improve reconciliation processes, templates, and controls, including standard operating procedures and review checklists.
• - Support the development of automated reconciliation capability, including data mapping, exception reporting, and root cause analysis to reduce manual effort and risk.
• - Use Excel and data tools to analyse transaction level data, identify patterns, and provide insight into recurring breaks and process weaknesses.
• - Liaise with external banks, payment partners, and scheme providers to resolve discrepancies, obtain statements, and support query resolution.
• - Ensure reconciliations and supporting documentation meet internal policy requirements and are audit ready at all times.
• - Contribute to continuous improvement initiatives across Finance and Operations to strengthen end to end cash controls and reduce operational risk.

Cash Reconciliation Specialist

Compliance

• Provide day-to-day compliance advice across retail banking activities
• Review and approve financial promotions
• Monitor regulatory developments
• Support the bank's wider compliance framework
• Support the implementation and maintenance of the bank's compliance framework, including policies, procedures and controls
• Conduct compliance monitoring and thematic reviews, identifying areas for improvement and tracking remediation
• Advise on regulatory change and assist with implementing new FCA rules and guidance
• Support product governance and new product approval processes
• Assist with regulatory risk assessments and compliance reporting
• Provide compliance input into projects, change initiatives and business transformation activities
• Deliver compliance training and raise regulatory awareness across the business
• Support internal and external audits and regulatory enquiries where required
• Assist with the investigation of compliance incidents and breaches
• Maintain effective relationships with key stakeholders across Marketing, Product, Operations, Legal, Risk and Customer Services

Head of Financial Planning and Analysis

Cash Reconciliation Specialist

Compliance Officer