ZeroPA
Finance & Investment Analyst
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About ZeroPA
ZeroPA is a UK social-impact financial services business providing interest-free and fee-free finance to help households access essential goods and services.
Rather than providing cash directly to customers, ZeroPA works with approved retailers and service providers, combining responsible lending with commercial partnerships, financial inclusion and measurable social impact.
ZeroPA is developing its lending, technology, risk and regulatory infrastructure as it scales its UK operations.
Purpose of the Role
The Finance & Investment Analyst will provide financial, investment and portfolio analysis to support ZeroPA's growth, funding strategy and executive decision-making.
The postholder will build and maintain financial models, analyse the performance and economics of ZeroPA's lending portfolio, assess funding and investment opportunities, monitor financial and portfolio risks, and prepare high-quality financial information for management, the Board, investors and funding partners.
The role combines financial analysis, investment appraisal, commercial modelling and portfolio analytics within a growing financial-services business.
Financial Analysis & Modelling
- Develop and maintain ZeroPA's integrated financial model, forecasts and scenario analysis.
- Prepare monthly and longer-term forecasts covering revenue, operating costs, cash flow, lending capital and profitability.
- Analyse actual financial performance against budget and forecast.
- Model alternative growth, funding and lending scenarios.
- Undertake sensitivity and stress testing of key financial assumptions.
- Analyse the financial impact of changes in lending volumes, average loan values, repayment periods and customer behaviour.
- Support preparation of budgets and medium-term financial plans.
Lending & Portfolio Analysis
- Analyse loan applications, lending volumes, repayments, arrears and non-payment trends.
- Monitor portfolio performance against ZeroPA's target non-payment assumptions and identify emerging risks.
- Analyse customer cohorts and repayment behaviour to understand portfolio performance.
- Develop portfolio forecasting models covering loan deployment, repayments, cash requirements and expected losses.
- Analyse the economics of different loan sizes, repayment terms and customer segments.
- Produce management information on portfolio quality and lending performance.
- Work with Risk and senior management to identify financial and portfolio trends requiring management action.
Commercial & Unit-Economics Analysis
- Analyse the unit economics of ZeroPA's lending model.
- Model revenues generated through retailer rebates, cashback, commercial partnerships and other income streams.
- Assess profitability and contribution by retailer, product category and lending cohort.
- Analyse the impact of different rebate arrangements and lending values on commercial returns.
- Evaluate proposed partnerships and commercial opportunities.
- Prepare financial assessments and recommendations before significant commercial commitments are entered into.
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Investment & Funding
- Support ZeroPA's equity and debt fundraising activities.
- Prepare financial information, forecasts and analysis for prospective investors, lenders and social-investment organisations.
- Undertake investment appraisal and financial analysis of proposed funding structures.
- Model the impact of equity, debt and other funding arrangements on cash flow, liquidity and growth.
- Support financial due diligence undertaken by investors and funding partners.
- Analyse potential sources of lending capital and assess their financial implications.
- Assist management in developing funding requirements and capital plans.
Regulatory & Management Information
- Support the production of accurate financial and portfolio information required for regulatory and management purposes.
- Work with Risk and Compliance colleagues to ensure financial models appropriately reflect regulatory requirements and lending risks.
- Produce management information covering lending, repayments, arrears, portfolio performance, revenues and liquidity.
- Support financial analysis required in connection with ZeroPA's FCA regulatory development and ongoing compliance.
- Maintain appropriate records, assumptions and audit trails supporting financial models and management reports.
Board & Strategic Decision Support
- Prepare financial analysis, dashboards and papers for the CEO, executive team and Board.
- Translate complex financial information into clear recommendations for decision-makers.
- Analyse strategic initiatives, new products and proposed partnerships.
- Prepare business cases and investment appraisals.
- Identify financial risks, opportunities and trends and recommend appropriate actions.
- Undertake ad-hoc financial and commercial analysis as required.
Person Specification - Essential
- A degree or equivalent qualification/experience in finance, accounting, economics, mathematics, business or another quantitatively focused discipline.
- Strong financial modelling and analytical skills.
- Experience analysing financial, commercial or investment information.
- Strong spreadsheet skills, including the ability to construct and maintain financial models.
- Ability to interpret large or complex datasets and identify meaningful trends.
- Understanding of financial statements, cash flow and financial forecasting.
- Strong numerical and problem-solving abilities.
- Ability to prepare concise reports and recommendations for senior decision-makers.
- Strong written and verbal communication skills.
- High standards of accuracy and attention to detail.
- Ability to work independently in a growing and rapidly developing organisation.
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Person Specification - Desirable
- ACCA, ACA, CIMA or CFA qualification or progress towards a relevant professional qualification.
- Experience in consumer finance, lending, fintech, banking or financial services.
- Experience analysing lending or credit portfolios.
- Knowledge of FCA-regulated financial services.
- Experience of investment appraisal or corporate finance.
- Experience supporting fundraising or investor due diligence.
- Experience using data-analysis or business-intelligence tools.
- Understanding of social investment, financial inclusion or responsible finance.
Key Competencies
- Financial analysis - ability to interpret financial information and identify its implications.
- Investment appraisal - ability to assess opportunities, returns, risks and alternative funding structures.
- Commercial judgement - understanding of how financial analysis translates into sustainable business decisions.
- Analytical thinking - ability to interrogate data and identify underlying trends and relationships.
- Risk awareness - understanding of the relationship between growth, lending risk, liquidity and financial sustainability.
- Communication - ability to explain financial information clearly to financial and non-financial stakeholders.
- Accuracy and integrity - careful handling of financial information and a commitment to high professional standards.
Key Performance Indicators
- Accuracy and timeliness of financial forecasts and management information.
- Quality and reliability of financial and portfolio models.
- Accuracy of lending-capital and cash-flow forecasting.
- Quality of portfolio and non-payment analysis.
- Effectiveness of commercial and unit-economics analysis.
- Quality of financial information supplied to investors, lenders and the Board.
- Identification of material financial risks and opportunities.
- Contribution to ZeroPA's fundraising and funding strategy.
- Support for ZeroPA's financial sustainability and controlled growth.
Career Development
As ZeroPA grows, the role is expected to provide increasing exposure to portfolio management, corporate finance, fundraising, regulatory reporting and strategic financial planning, with potential progression into a more senior finance, investment or corporate-finance position.
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