FP&A Manager

Working for a growing B2B lending business working with brokers and introducers to provide funding solutions to UK businesses. The business operates in a fast-paced operational finance environment where reporting accuracy, investor management, cash flow visibility, operational control, and financial accountability are critical to long-term growth.

The Role Seeking a highly organised, commercially aware, technically capable, and hands-on Finance Manager to perform the day-to-day operational finance function of the business. The role is responsible for supporting the operational finance layer across the business while helping improve reporting visibility, financial controls, investor operations, reconciliations, BI reporting, AI-assisted reporting, reporting automation, and finance process structure as the business continues to scale.

Will also work closely with the wider technology team regarding reporting structure, operational workflows, finance data accuracy, BI visibility, reporting automation, and operational reporting consistency across Emerald and associated reporting environments. Core Responsibilities Liquidity, Investment & Treasury Management Develop and maintain robust 13-week and 12-month rolling liquidity models to track cash inflows from repayments and investments, and cash outflows for loan disbursements, investor withdrawals and operational costs.

Maintain forward-looking cash and liquidity forecasts which reflect the ever-changing investment roadmap, including expected new investment, investment increases, withdrawals, capital returns and fluctuations in investor funding. Build funding models to forecast facility utilisation, analyse headroom and ensure compliance with debt covenants. Model the interaction between investment movements, borrower collections, new lending volumes and operational expenditure to ensure sufficient liquidity is maintained.

Formulate scenario and stress-testing models, including changes in base rate, macroeconomic downturns, changes in investment inflows/outflows or sudden spikes in defaults, to ensure adequate liquidity buffers. Provide senior management with clear visibility over available capital, committed funding, expected capital returns and future funding requirements. Financial Forecasting & Corporate Planning Own the integrated 3-way financial forecasting model covering Profit & Loss, Balance Sheet and Cash Flow for the overall business.

Prepare and maintain the annual financial budget and departmental targets, with input from business teams. Maintain rolling forecasts throughout the year and reforecast appropriately as lending volumes, investment levels, collections, staffing costs and business assumptions change. Work closely with senior management to understand and forecast overheads, identifying areas of material cost movement and opportunities to improve operating efficiency. Model the financial impact of increased staffing and employment costs, including salaries, commission, bonuses, employer National Insurance, pensions and other employee-related expenditure.

Assess the business-wide financial impact of new products, changes in loan fees, pricing decisions and other commercial initiatives before implementation. Assist the CFO in preparing Board packs, investor reporting and presentations for potential funding rounds or debt facilities. Take ownership of the financial and operational information required for the Board pack, ensuring information is accurate, consistent, clearly explained and delivered on time.

Partner with commercial and origination teams to understand pipeline conversion and incorporate these assumptions into forward-looking forecasts. Partner with the Collections function to understand expected cash collections and incorporate their impact into liquidity, profitability and lending forecasts. Support preparation and submission of the Companys R&D tax relief claim, coordinating relevant financial information with the technology team, CFO and external advisers.

Support audit preparation and external accountant requirements. Investor Portal & Management Maintain management of the investor portal. Prepare investor statements Review new loans, borrower repayments and investor capital movements. Track expected investment inflows, withdrawals and capital repayments and ensure these are incorporated into the Companys liquidity forecasts. Reconcile investor balances and payments to finance records and investigate any discrepancies. Loan Book,…