Finance Business Partner (FP&A) 15m FTC

Atom bank; Newcastle upon Tyne; Hybrid; GBP 45,000 - 55,000; Full time

Benefits offered by this job

Salary £45k-£55k

Hybrid working in Newcastle

Energetic High Performance Environment

Discretionary cash bonus

Generous pension scheme (up to 13%)

22.5 days annual leave + public bank

Private Medical Insurance

Health Cash Plan

Life Insurance & Critical illness

£200 “All about me” fund

EV Scheme

Job summary

Atom bank is seeking a Finance Business Partner to join our FP&A team for a 15-month fixed-term contract in Newcastle. You will drive commercial finance, support strategic decisions across lending, deposits and projects, and partner with Treasury. A qualified accountant with strong Excel and proactive mindset is essential.

You will influence forecasts, challenge assumptions, and present insights to ExCo, contributing to the bank's growth agenda in a fast-paced, human-centric environment.

Qualifications

• Qualified (or qualified by experience) accountant with commercial finance or FP&A expertise.
• Experience in retail banking is an advantage given the contract timeline, but open to other sectors with strong accounting skills.
• Comfortable running scenario inputs and building investment appraisal calculations in Excel.
• Familiarity with AI tools to improve efficiency and automate routine tasks.

Responsibilities

• Provide commercial decision support for new products, features and business cases using Excel and NPV analyses.
• Run forward-looking scenario analyses to evaluate alternative business paths.
• Partner with Treasury on liquidity, funding and ALCO matters and monitor market dynamics.
• Challenge assumptions with commercial stakeholders to keep financial plans robust.
• Translate financial data into clear, impactful presentations for leadership.

Skills

FP&A

Commercial finance

Scenario modelling

Excel proficiency

Education

Qualified accountant

Tools

Excel

Job description

We’re Atom bank

The bank that’s on a mission to make finance faster, simpler and way more human.

We’ve ditched the stuffy banking model to build something that actually works for our customers, whenever and wherever they need us.To make this happen, we’re looking for like-minded people who can help us reach our goals and think differently.

If you’re ready to build the future of banking, we’d love to meet you.

We really value in-person collaboration and this role requires a minimum of 2 days a week at our Newcastle HQ.

What will your ‘typical’ day look like? Different that’s for sure…:

Within Atom’s FP&A team, finance is far more than backward-looking reporting - it is an active driver of commercial strategy, product pricing, and business growth. We are looking for a commercial, proactive Finance Business Partner to join us on a 15-month fixed-term contract.

You will join a high-performing finance team that values development, open dialogue, and genuine commercial influence. You won’t be pigeonholed into a single ledger; you will gain broad visibility across the whole bank while directly shaping commercial decisions.

In this role, you will act as a key commercial co-pilot across our balance sheet. While the position primarily steps in to support our high-priority Savings team, our scope remains broad and holistic, giving you exposure across lending, deposits, and strategic projects across the bank.

What you’ll be doing:

• Commercial Decision Support: Appraise new products, features, and business cases using practical Excel calculations and Net Present Value (NPV) assessments.
• Scenario Modelling: Use existing model infrastructure to run forward-looking sensitivity and scenario analyses, helping the business evaluate alternative paths.
• Treasury & Risk Collaboration: Partner closely with Treasury on liquidity, funding adequacy, stability of funds, and ALCO treatments, while staying tuned to market dynamics (such as MPC rate decisions).
• Commercial Challenge: Review outturns with commercial stakeholders, challenging assumptions constructively to ensure financial plans remain robust and achievable.
• Executive Communication: Translate complex financial figures into clear, visual, and actionable presentations for executive leadership and ExCo.

What do we need from you?

• Qualified (or qualified by experience) accountant with proven commercial finance or FP&A business partnering expertise.
• A self-starter who doesn’t wait to be tasked; you spot anomalies, trends, or risks, formulate a proposed solution, and manage upward effectively.
• Experience in retail banking is an advantage given the contract timeline, but we are fully open to candidates from other sectors who have strong core accounting skills and have done their homework on how a bank operates and generates value.
• Comfortable running scenario inputs and building practical, transparent investment appraisal calculations in Excel.
• Familiarity and openness to interrogating AI tools (e.g., ChatGPT, Gemini) to work smarter, troubleshoot formulas, and streamline routine tasks.

What you’ll get from us?

• Salary £45k-£55k
• Hybrid working in Newcastle
• Energetic High Performance Environment
• Discretionary cash bonus
• Incredibly generous company pension scheme (maximum of 13% of Atom input – candidate can put in more) 22.5 days annual leave plus public holiday
• Private Medical Insurance, Health Cash Plan, Life Insurance & Critical illness cover
• £200 “All about me” fund
• EV Scheme

PLEASE NOTE: You must have the legal right to work in the UK to apply for this role as Atom is unable to support Visa Applications/Sponsorship

Atom is an equal opportunities employer. We value you as an individual and therefore disregard race, religion/belief, gender, sexual orientation, maternity/pregnancy, age, gender reassignment, marriage/civil partnership and disability in any hiring decisions we make. Atom will always adhere to the Equality Act 2010.

All roles within Atom must adhere to the Conduct Rules as set out by the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA)

As part of Atom bank’s commitment to the FCA’s Consumer Duty, Atom will, take all reasonable steps to avoid causing foreseeable harm to customers, take all reasonable steps to enable customers to pursue their financial objectives and act in good faith.