Operational Finance Manager

LANDBAY; Greater London; On-site; GBP 63,000 - 77,000; Full time

Benefits offered by this job

Health insurance

Generous pension scheme

Cycle-to-work scheme

Life Insurance

Regular Social events

Volunteering & Wellbeing Days

Job summary

Landbay is seeking an Operational Finance Manager to lead mortgage cash management, reconciliations, and reporting for our buy-to-let platform. Based in central London, you will manage daily borrower payments, funder accounts, and servicing balances while maintaining strict controls and audit trails.

You will support structured finance environments (SPVs, RMBS) and collaborate with servicing, finance and external partners to optimise cash flow and governance.

Qualifications

• Operational finance or servicing‑aligned role within a mortgage lender or loan servicing company.
• Strong understanding of mortgage servicing cashflows and reconciliation processes.
• Experience supporting structured finance environments (warehouse SPVs, RMBS) desirable.
• ACCA or ACA qualified or part‑qualified.
• High attention to detail with large data volumes and a strong control mindset.
• Strong analytical and communication skills across teams and external stakeholders.
• Ability to work in a fast-paced, evolving environment.

Responsibilities

• Own the day-to-day management of mortgage cash and reconciliations, including daily reconciliation of borrower payments, funder bank accounts, and servicing system balances.
• Investigate and resolve reconciliation breaks, ensuring timely resolution and clear audit trails.
• Maintain and manage suspense accounts, ensuring items are allocated and cleared.
• Perform mortgage cashflow calculations, including payment waterfalls and distributions, per funder requirements.
• Ensure financial transactions are accurately reflected across systems with data integrity and control.
• Prepare and deliver external funder financial reporting and data for bank funders, warehouse funders, and securitisation SPVs.
• Support audits (internal, external, and funder) with reconciliations and documentation.
• Process and manage payments, including borrower refunds and third-party costs, ensuring accurate recording.
• Collaborate with servicing, finance, and external partners to ensure effective cash management and reporting.
• Identify and implement operational improvements to enhance processes and controls.
• Maintain robust financial controls and governance across operations.

Skills

Mortgage cashflows

Reconciliations

Data analysis

Excel

Stakeholder communication

Process improvement

AI for efficiency

Team collaboration

Education

ACCA or ACA qualified or part-qualified

Tools

Excel

Job description

Operational Finance Manager

About Landbay

We are an award-winning mortgage platform, created for our customers, designing better ways to buy-to-let.Our visionis to become the 'go-to' funding partner intheprivate rental sector.

At Landbay, we focus on the customer, andwe bring together the best people and partners,leveragingour data,technology,and marketexpertise- to give people what they really need.Today we are the UK'sleading prime Buy-to-let marketplace mortgage lender having lentcirca £4bn in partnership with our funding partners.

Join Landbay and you'llbe part ofagrowing,ambitious,and supportiveteam,where everyone is encouraged to contribute, regardless ofage or experience.Ourteam, our community, and the wider world matters to us, as much as the work we do.We're building a company we love, and we hope you'll love it too.

FormoreinformationaboutLandbaypleasevisitourwebsite:https://landbay.co.uk/about-us

The role

Responsibilities

• Own the day to day management of mortgage cash and reconciliations, including daily reconciliation of borrower payments, funder bank accounts, and servicing system balances.
• Investigate and resolve reconciliation breaks, ensuring timely resolution and clear audit trails.
• Maintain and manage suspense accounts, ensuring items are appropriately allocated and cleared.
• Perform and validate mortgage cashflow calculations, including payment waterfalls and distributions, in line with funder requirements.
• Ensure financial transactions are accurately reflected across systems, maintaining strong data integrity and control.
• Prepare and deliver external funder financial reporting requirements, including preparation and provision of data for bank funders, warehouse funders, and securitisation SPVs.
• Support audits (internal, external, and funder), providing reconciliations, documentation, and responses as required.
• Process and manage payments, including borrower refunds and third-party costs (e.g. solicitors and receivers), ensuring accurate recording within the servicing system.
• Work collaboratively with servicing, finance, and external partners to ensure effective cash management and reporting.
• Identify and contribute to operational improvements to enhance processes, efficiency and controls.
• Maintain robust financial controls and governance across operational finance activities, ensuring accuracy, completeness, and auditability of transactions and reporting.

Skills & Experience

• Previous experience working in an operational finance or servicing-aligned role within a mortgage lender or loan servicing company, or similar experience.
• Strong understanding of mortgage servicing cashflows and reconciliation processes.
• Experience supporting structured finance environments (e.g. warehouse SPVs, RMBS) highly desirable.
• ACCA or ACA qualified or part-qualified (or equivalent experience).
• High attention to detail and accuracy working with large volumes of data, with a strong control mindset.
• Strong analytical skills, with the ability to investigate and resolve discrepancies.
• Good organisational and time-management skills, with the ability to manage competing priorities.
• Strong communication skills, with the ability to work effectively across teams and with external stakeholders.
• Ability to work in a fast-paced, evolving environment.
• Collaborative and team-oriented approached.
• Strong Excel skills
• Demonstrated ability to identify process improvements and leverage AI to improve efficiency is desirable.
• A good sense of humour.

Location & Logistics

Position is based in Victoria, central London reporting to Head of Operations and Servicing

Company benefits

• Salary up to £70,000 per year
• Generous holiday entitlement
• Flexibility working practices
• Generous pension scheme
• Health insurance
• Enhanced maternity / paternity leave
• Volunteering & Wellbeing Days
• Electric Vehicle Scheme
• Life Insurance
• Cycle-to-work scheme
• Regular Social events