Finance Director

Xe.com; Bracknell; On-site; GBP 120,000 - 190,000; Full time

Benefits offered by this job

Discounted ESPP

Life Cover

Mental Health & Wellbeing

Volunteering day

Job summary

Xe, a leading payments and fintech company, seeks a Finance Director to oversee all aspects of finance, treasury, regulatory reporting and strategic planning for the UK and European operations.

You will partner with the board and executive team to ensure top‑tier governance, regulatory compliance and robust forecasting in a fast‑paced, highly regulated environment.

Qualifications

• Qualified Accountant with senior finance leadership experience.
• Strong knowledge of FCA and European financial regulations.
• Experience in payments, fintech or electronic money is preferred.
• Proven ability to lead budgeting, forecasting and governance.
• Track record of scaling finance functions in growth environments.

Responsibilities

• Develop and execute the regional financial strategy for UK/European regulated entities.
• Provide advisory support to the MD, Board and leadership team.
• Lead FP&A, governance, and regulatory reporting.
• Oversee liquidity, treasury, and capital management.
• Partner with Sales, Product and Operations to drive profitable growth.
• Mentor and build a high-performing finance team.

Skills

Strategic leadership

Regulatory compliance knowledge

Stakeholder communication

Education

Professional accounting qualification (ACA/ACCA/CIMA)

Job description

At Xe, we live currencies. We provide a comprehensive range of currency services and products, including our Currency Converter, Market Analysis, Currency Data API and quick, easy, secure Money Transfers for individuals and businesses. We leverage technology to deliver these services through our website, mobile app and by phone. Last year, we helped over 300 million people access information about the currencies that matter to them and over 225,000 people used us to send money overseas.

ABOUT THIS ROLE

This is a highly visible leadership role with responsibility for all aspects of finance, treasury, financial control, forecasting, regulatory reporting and strategic planning. The successful candidate will work closely with the Board, Executive Leadership Team, Compliance and Risk functions to support continued growth while ensuring the highest standards of financial governance and regulatory compliance.

This role is ideal for an ambitious finance leader who thrives in a fast-paced, regulated environment and has experience within payments, electronic money, fintech, banking or investment services.

OUR PRINCIPLES

• AMBITION - We dream big, try things out and always ask “why not?” and “what if?” We’re ambitious in our thinking and our delivery
• RESPONSIBILITY - We get involved, bring our perspective, and are always open to new ideas. We take personal responsibility
• COMMUNITY - We value a sense of belonging, trusting each other and encouraging authenticity. We contribute to our community

ROLES & RESPONSIBILITIES

Strategic Leadership

• Develop and execute the regional company's financial strategy for the relevant UK and European regulated entities in support of business growth objectives.
• Act as a trusted adviser to the Managing Director, Board and Executive Leadership Team.
• Provide insight and analysis to support commercial, operational and strategic decision-making.
• Evaluate growth opportunities, new products, acquisitions and market expansion initiatives.
• Lead all aspects of the finance function including accounting, reporting, FP&A, tax and treasury.
• Own the budgeting, forecasting and long-range planning processes.
• Deliver timely, accurate and insightful management information and Board reporting.
• Ensure strong financial controls, policies and governance frameworks are maintained.
• Oversee contract payment allocation, cost attribution and the associated financial controls.

Regulatory & Governance

• Ensure ongoing compliance with applicable FCA regulatory requirements. Additional knowledge on European financial regulations is a plus.
• Oversee prudential risk management, capital adequacy and liquidity monitoring.
• Maintain robust governance frameworks and financial controls appropriate for a regulated financial services business.
• Lead relationships with auditors, banking partners and external advisers.
• Support Board committees and governance forums through high-quality reporting and analysis.
• Lead the financial inputs to wind-down planning, including forecasting, liquidity, capital and operational dependencies.
• Manage Financial regulatory audits in the region
• Depending on the final entity-level remit, the successful candidate may be required to hold relevant FCA and/or local regulatory approval, or be formally allocated specific regulatory responsibilities.
• Support the maintenance of appropriate safeguarding governance, reconciliations, controls and Board reporting for relevant payment services and electronic money activities, working closely with Compliance, Risk and Operations.

Treasury & Cash Management

• Manage liquidity, funding and cash flow forecasting.
• Oversee banking relationships and treasury operations.
• Ensure appropriate treasury, liquidity and financial risk management practices are in place.
• Monitor and optimise working capital and capital efficiency.

Commercial Finance

• Partner with Sales, Product, Operations and Customer teams to support profitable growth.
• Develop KPI frameworks and performance dashboards.
• Provide pricing, profitability and investment analysis.
• Support revenue growth initiatives through commercial insight and financial modelling.
• Identify, assess and manage financial, operational and regulatory risks.
• Contribute to business continuity, recovery and strategic planning initiatives.
• Ensure risks are appropriately measured, monitored and reported.

Leadership & Culture

• Design and maintain an effective finance department structure with clear roles, responsibilities, accountability and appropriate capacity.
• Build, lead and develop a high-performing finance team.
• Foster a culture of accountability, ownership and continuous improvement.
• Mentor future finance leaders within the organisation.
• Promote collaboration across all business functions.

POSITION REQUIREMENTS

• Qualified Accountant (ACA, ACCA, CIMA or equivalent).
• Significant senior finance leadership experience within payments, foreign exchange, an Electronic Money Institution, fintech, banking or a MiFID investment firm.
• Strong understanding of the FCA and/DNB regulatory environment, Electronic Money Regulations, Payment Services Regulations, MiFID II, safeguarding and client money requirements, MIFIDPRU, ICARA, and capital adequacy and prudential risk frameworks.
• Practical experience of MIFIDPRU and ICARA, togeather with in UK CRR and EU CRR / CRD requirements where applicable
• Practical experience developing, maintaining and testing wind-down plans, including financial forecasting, liquidity, capital and operational dependencies.
• Experience overseeing contract payment allocation, cost attribution and the related financial controls.
• Proven experience designing and implementing an effective finance department structure, with clear roles, responsibilities, accountability and appropriate capacity.
• Proven experience presenting financial and strategic information to Boards and Executive Committees.
• Track record of scaling finance functions within a high-growth environment.
• Previous Finance Director or CFO experience within a regulated payments or fintech business.
• Experience supporting regulatory change programmes and governance enhancements.
• Knowledge of safeguarding, treasury and liquidity management frameworks.
• Multi-entity and international finance experience.
• Experience operating within private equity or high-growth environments.

PERSONAL ATTRIBUTES

• Strategic thinker with strong commercial acumen.
• Hands-on leader who is comfortable operating at both strategic and operational levels.
• Strong communicator with the ability to influence senior stakeholders.
• High integrity with a strong governance and control mindset.
• Analytical, data-driven and results-oriented.
• Adaptable and comfortable working in a fast-growing business environment.

SUCCESS METRICS: FIRST 12 MONTHS

• Strengthen financial governance, controls and reporting frameworks.
• Improve forecasting accuracy and financial visibility across the organisation.
• Enhance Board and executive reporting.
• Optimise liquidity, treasury and capital management processes.
• Support delivery of the company's growth strategy.
• Build a scalable finance function capable of supporting future expansion.
• Establish themselves as a trusted adviser to the Board and Executive Leadership Team.

PERKS & BENEFITS

• Discounted Euronet Employee Share Purchase Plan (ESPP)
• Life Cover, Income Protections Scheme & Critical Illness cover
• Plumm Mental Health and Wellbeing
• Volunteering day for a charity of your choice

We want Xe to be a great place to work and to ensure that our communities are represented across our workforce. A vital part of this is ensuring we are a truly inclusive organization that encourages diversity in all respects.

At Xe we are committed to making our recruitment practices barrier-free and as accessible as possible for everyone. This includes making adjustments or changes for disabled people, neurodiverse people or people with long-term health conditions. If you would like us to do anything differently during the application, interview or assessment process, including providing information in an alternative format, please contact us on [e-mail]

The position responsibilities outlined above are intended to define the general contents and requirements to perform this job. It is not to be taken as a complete statement of responsibilities or requirements. This job description does not restrict the Company’s right to assign or reassign duties and responsibilities to this job as needed.