Finance Manager

Bondsmith; Greater London; Hybrid; GBP 50,000 - 58,000; Full time

Benefits offered by this job

Private health insurance

Pension contribution (salary sacrifice

Cycle to Work

Professional development support

Stock options

Job summary

Bondsmith in the UK is seeking a Finance Manager at the finalist/newly qualified level to own month-end close, manage transactional activities, and oversee regulatory reporting within a lean team. The role offers exposure to treasury, VAT, and board packs within a regulated fintech environment.

You will work in a hybrid setup, mentored by the CFO, with opportunities to develop toward Financial Controller as the company scales and expands across regulated financial services.

Qualifications

• 3-5 years in a finance role with hands-on month-end ownership
• Exposure to FCA regulatory reporting, safeguarding, or client money environments a plus
• Experience in financial services, fintech, or auditing regulated clients is beneficial

Responsibilities

• Own month-end close and monthly reporting pack with commentary for CFO and board
• Maintain balance sheet integrity and intercompany recharges
• Oversee revenue recognition and statutory reporting including VAT
• Support budgeting, forecasting, and variance analysis for monthly packs
• Coordinate statutory audits and liaise with external accountants
• Assist CFO with regulatory reporting and capital requirements
• Support treasury/cash flow forecasting and client money reconciliation
• Lead process improvements and drive automation in finance

Skills

ACCA/CIMA finalist

Month-end close ownership

Regulated FCA reporting

Excel proficiency

Multi-currency experience

Education

Part-qualified ACCA/CIMA or ACA/ACCA/CIMA

Tools

Xero

Excel

Job description

About us

Bondsmith is a fast growing digital cash savings platform focused on helping customers make the most of their money by offering access to a wide range of savings products.

We work with financial institutions like wealth managers, fintechs, banks, and advisors, providing them with tools to get better returns on cash, engage more effectively with clients, and simplify their operations. Our goal is to help savers get the most out of their cash.

At Bondsmith, our core values are rapid and continuous improvement, delivering good customer outcomes, and taking end to end ownership. Our team is made up of experienced professionals who are passionate about delivering excellent service and finding new ways to solve challenges in financial services. Joining us means working in a fast-paced environment where you will be making an impact on the financial lives of thousands of savers.

We're regulated by the Financial Conduct Authority in the UK.

Finance Manager Job Description (Full-time)

The Role

This is a genuine number-two-in-finance role: you'll be the CFO's right hand in a lean three-person team, owning the month-end close and management accounts, running the audit, and collaborating closely with our Senior Bookkeeper. You'll also get exposure to areas most people at your stage never see: treasury, regulatory reporting, board packs, and the commercial workings of a regulated fintech.

This is a Finance Manager title with a hands-on remit, designed for an ambitious part-qualified finalist or newly qualified accountant. You'll manage the transactional layer and own real deliverables, but you'll also still be in the detail yourself. If you're looking for a role where you actually build things rather than being a small cog in a big finance function, this is it.

Key Responsibilities

• Month-End Close: Ownership of the month-end closing process and the monthly reporting pack, including intra-group reconciliations with commentary for the CFO and board.
• Balance Sheet Control: Own balance sheet integrity, including monthly reviews of all control accounts, the fixed asset register, and intercompany balances and recharges across group entities.
• Revenue Recognition Oversight: Own revenue recognition across the group in line with FRS 102.
• Budgeting & Forecasting: Support the annual budget process and produce variance analysis and commentary against budget for the monthly pack.
• Statutory Audit: Orchestrate statutory audits, act as day-to-day contact for our external accountants and auditors.
• Statutory Reporting: Oversight of local reporting requirements, VAT and GST filings and the preparation of financial statements.
• Tax Compliance: Coordinate corporation tax computations and filings with our advisers, and support any R&D or other claims.
• Regulatory Reporting & Capital: Assist the CFO with regulatory reporting and returns for an FCA-authorised e-money institution, including monitoring of own funds and safeguarding requirements against the FCA reporting calendar.
• Cash Flow Operations: Support treasury operations, cash flow forecasting, and reconciliation of client money flows.
• Team Management: Review the work of our Senior Bookkeeper (AR/AP, bank recs, expenses), acting as a day-to-day point of contact.
• Process Improvement: Build and improve financial processes, controls, and reporting as we scale, alongside ad hoc analysis, modelling and projects supporting the Company's goals.

Who You Are?

• Experience: Part-qualified ACCA or CIMA (finalist stage preferred), or newly qualified ACA/ACCA/CIMA. 3-5 years in a finance role, with genuine hands-on ownership of a month-end close. Some exposure to statutory accounts preparation or audit liaison, from either the practice or industry side. Multi-entity group experience preferred. Experience in financial services, fintech, or auditing regulated clients a big plus.
• Regulated Environment: Exposure to FCA regulatory reporting, safeguarding, or client money (CASS) environments - a big plus.
• Core Technical Skills: Strong double-entry fundamentals and hands-on month-end experience (industry or practice).
• Excel: Strong Excel skills and genuine comfort working with financial data. Comfort using AI tools to work more efficiently is a huge plus.
• Systems: Xero experience, ideally across a multi-entity group. Ability to work across multiple data platforms.
• Multi-Currency: Comfortable with foreign currency transactions, revaluations and consolidation.
• Meticulously Organised: Detail-oriented with strong organisational and problem-solving skills, and the ability to manage multiple deadlines without dropping the ball, sound judgement with confidential information. Comfortable working to a fixed reporting calendar and hitting month-end deadlines consistently.
• Ownership & Autonomy: Self-starter who thrives with ownership and ambiguity. This is a small team, not a big-firm structure.
• Finance Processes: Experience improving or automating finance processes (desirable).

What We Offer

• The stability of an established, FCA-regulated business with startup pace and ownership
• Study Support: We are not an ICAEW authorised training employer, so we can't host ACA training contracts, but ACCA and CIMA students can sit their remaining exams while working here.
• Competitive Salary: £50,000-£58,000 dependent on experience + performance bonus + stock options.
• Mentorship: Direct mentorship from an experienced CFO and unusually broad exposure for your stage.
• Growth Potential: A clear progression path, this role is built to grow into Financial Controller as you qualify and the team scales.
• Working Setup: Hybrid working policy and Work-From-Anywhere policy.
• Benefits: Private health insurance, salary sacrifice pension contribution, generous annual leave, Cycle to Work scheme and professional development support.

Practical Details

• You must have a Right to work in the UK.
• Start date: ASAP
• Hiring Process: Initial phone interview, in person interview, final interview. Professional references will be required.

Bondsmith is an equal opportunity employer. We welcome applications from all backgrounds.

Salary range: £50,000 GBP - £58,000 GBP

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