Finance Director

Location: UK or Europe (remote-first, UK-centric)

Reports to: CEO

Works closely with: Head of Finance, Executive Team, Board

Bikmo is entering a pivotal phase as we transition from a growth-focused insurtech to a profitable, pan-European MGA, while continuing to scale responsibly and position the business for long-term value creation.

We are seeking an experienced Finance Director to provide strategic financial leadership at exec and board level, own and control the group financial business plan and long-term financial model, support investor and lender relationships, mentor the Head of Finance, and help shape the financial strategy of the business as we move toward profitability, selective M&A, and a potential trade exit in the coming years.

This is a strategic leadership role, not a day-to-day finance position. Operational finance, cash management, and routine reporting sit with the existing finance team.

The role may be delivered on a full-time or part-time basis, depending on candidate experience and availability.

• Act as the senior financial leader within the Executive Team
• Provide clear, confident financial input into strategic and operational decisions
• Drive financial discipline, cost management, and performance focus across the business
• Hold exec peers accountable to agreed budgets, forecasts, and financial commitments
• Support the CEO in balancing growth, profitability, and capital efficiency

• Lead the annual budgeting process and quarterly reforecasting, aligning financial resources to strategic priorities
• Own and control the group financial model as the authoritative view of Bikmo’s long-term financial position
• Lead long-term forecasting, scenario planning, and sensitivity/downside modelling to support:
• Investment and growth planning
• Fundraising and capital strategy
• M&A and strategic options
• Ensure financial plans clearly articulate trade-offs, risks, and returns

Day-to-day cashflow forecasting, short-term runway management, and operational reporting are owned by the Head of Finance and the finance team.

• Partner with the CEO, Partnerships, and Operations teams on:
• Pricing strategy
• Channel and partnership economics
• Support commercial negotiations on major partner contracts, ensuring pricing, service levels, risk allocation, and cash terms are financially robust and scalable
• Bring financial rigour to embedded insurance partnerships and international growth initiatives

• Provide senior oversight of liquidity, capital structure, and funding options
• Lead the structuring, negotiation, and setup of financing solutions where required (e.g. working capital facilities, overdrafts, debt instruments)
• Act as the senior point of contact with banks, lenders, and financial advisors
• Support and guide the Head of Finance, who leads ongoing day-to-day cash and facility management

• Act as a trusted finance partner to the Board and existing investors
• Prepare, review, and present financial materials for board meetings
• Support fundraising strategy, investor narrative, and financial diligence
• Help articulate a clear, credible financial narrative for the Board and investors, covering performance, outlook, capital efficiency, risks, and strategic options
• Operate effectively within a PE / VC-backed governance environment, including pace, reporting expectations, and stakeholder management
• Maintain a strong working understanding of insurance-specific financial flows, even if not managing them day-to-day
• Appreciate FCA regulatory reporting requirements, including:
• Regulatory capital considerations
• Financial aspects of operational resilience
• Ensure financial governance supports Bikmo’s regulated operating environment

• Provide senior oversight of Bikmo’s tax strategy, ensuring it is commercially optimised and fully compliant across jurisdictions
• Cover key areas including:
• Transfer pricing
• VAT and partial VAT exemption
• Work with specialist external advisors where…