FP&A Analyst

Zopa Bank Limited; Greater London; Hybrid; GBP 52,000 - 75,000; Full time

Benefits offered by this job

Hybrid work pattern

Work abroad up to 120 days

Job summary

Zopa Bank Limited in London is seeking an ambitious FP&A professional to partner with lending, savings and current accounts teams, turning financial performance into clear, practical insight. You will support analysis, build scenarios and forward-looking projections, and help shape future plans, working closely with our Senior FP&A Manager in a hybrid London office setup.

The role offers exposure to retail banking products, data tools and cross-functional collaboration with product and

Qualifications

• Experience in banking or financial services.
• Hands-on FP&A, planning and forecasting.
• Ability to interpret financial information across the P&L and balance sheet.
• Explain business and financial drivers to support practical decisions.
• Partner well with product or commercial stakeholders.

Responsibilities

• Analyse product performance across lending, savings and current accounts.
• Investigate variances and explain drivers.
• Build narratives for stakeholders on product economics and performance.
• Identify risks and opportunities early in planning.
• Support scenario analysis and forward-looking projections.
• Test assumptions with FP&A and product teams.
• Balance direct-cost analysis with broader financial priorities.
• Manage competing requests and deadlines.
• Ask thoughtful questions and improve analysis delivery.

Skills

Banking experience

FP&A experience

Forecasting

Stakeholder partnering

Tools

Anaplan

Excel

SQL

Python

Job description

Our Story

Hello there. We’re Zopa.

We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. A bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com!

We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces.

If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count.Want to see us in action? Follow us on Instagram @zopalife

Our FP&A team helps Zopa make better decisions by turning financial performance into clear, practical insight. This role will work closely with colleagues across lending, savings and current accounts, helping them understand how their products are performing and what may happen next.

You will initially work closely with our Senior FP&A Manager, supporting analysis and business conversations. As you build product knowledge and trust, you will have the opportunity to take more ownership of the story behind the numbers and the conversations that shape future plans.

A day in the life

• Analyse product performance against plan across lending, savings and current accounts.
• Investigate variances across the P&A and balance sheet and explain what is driving them.
• Build clear narratives that help stakeholders understand product economics and performance.
• Identify emerging risks and opportunities, bringing them into planning discussions early.
• Support scenario analysis and forward-looking projections for product teams.
• Work with FP&A and product colleagues to test assumptions and improve decision‑making.
• Balance direct‑cost analysis, product economics and wider financial performance priorities.
• Manage competing requests while meeting the deadlines that matter in the planning cycle.
• Ask thoughtful questions, elevate issues appropriately and keep improving how the analysis is delivered.

About you

• Have experience in banking or financial services.
• Bring hands‑on FP&A, financial planning and forecasting experience.
• Understand how to interpret financial information across the P&L and balance sheet.
• Explain business and financial drivers in a way that supports practical decisions.
• Partner well with product or commercial stakeholders.
• Use curiosity to investigate issues, challenge assumptions and spot what needs further attention.
• Have an understanding of financial modelling and scenario analysis.
• Handle ambiguity, multiple priorities and planning‑cycle deadlines with care.
• Take ownership of problems and make a sensible first attempt at solving them.
• Want to keep learning and develop your influence over time.

Bonus points for

• Exposure to retail lending, consumer finance or retail banking products.
• Experience with credit risk, pricing, impairments or valuations.
• Familiarity with Anaplan or another planning system.
• Advanced Excel, SQL, Python or BI‑tool capability.
• Experience using AI or automation to improve an analytical process.
• Have, or be working towards, a relevant accountancy, treasury, risk or finance qualification.

#LI-LK1

At Zopa we value flexible ways of working.

We value face‑to‑face collaboration and a good work‑life balance. This hybrid role requires you to come to our London office 2-3 days a week.

You’ll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.

*Subject to having the right to work in the country of choice

Diversity Statement

Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.

Our approach to AI in interviews

At Zopa, AI isn't something we're testing out — it's part of how we work every day. As a proud partner of Jobs 2030, we're committed to building AI fluency across our workforce, and we expect Zopiansto use AI as part of how they do their jobs.

Because of that, we want to be transparent about how we think about AI use during our hiring process.

Behavioural and competency‑based interviews: pleasedon'tuse AI. These conversations are designed to understandyou— your experiences, your judgment, and howyou'veapproached real situations. An AI-generated answercan'ttell us that. What it can do is get in the way of us finding out whetherwe'rethe right fit for each other.

Technical interviews: it depends on the role.Some technical stages actively welcome AI use,othersdon't. Your Talent Partner will let you knowwhat'sexpected at each stage.Where AI is part of the assessment,we'llbe interested not just in the outcome, but in how you used it – the tools you chose, your reasoning, and the decisions you made along the way.