Y TREE
Financial Modelling Associate
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Financial Modelling Associate
Financial Modelling Analyst – Asset Liability Management (ALM) & Financial Planning at Y TREE
About Y TREE
We are a rapidly growing WealthTech business that is redefining how individuals and families connect and engage with their money. We empower clients with control over their personal finances, enhancing their ability to achieve financial and life goals.
At the core of this mission is Financial Modelling—the conceptual engine behind our proprietary models and analytical frameworks. Our team delivers intellectual rigour, focusing on what truly matters to clients.
Our models and tools are designed to be:
- Robust – Reliable and dependable
- Scalable – Adaptable as business needs grow
- Purposeful – Powering every stage of the client lifecycle with unified logic
Every financial model and tool we build distills complex data into actionable, user-friendly insights—helping clients make informed decisions.
Team Overview
The Financial Modelling Team is responsible for:
- Delivering financial models that capture the true realities of clients’ lives
- Transforming complex financial data into clear, personalised insights
- Building user-friendly, scalable tools that drive client decision-making
The Financial Modelling Analyst plays a critical role in supporting the migration of our financial engines from legacy Excel environments to a code-based (Python/Proprietary Stack) ecosystem. Reporting to the Head of Financial Modelling & Analytics (FMG), you will:
- Improve modeling velocity and accuracy
- Ensure Financial Life Analysis (FLA) production remains high-quality
- Document, test, and refine mathematical logic for full transparency
The Role
Key Responsibilities
1. Execute Client Analysis
- Run complex Financial Life Analysis (FLA) and Asset Liability Management (ALM) projections for client portfolios.
- Translate client-specific scenarios (e.g., liquidity events, estate planning, gifting) into precise model inputs.
- Generate accurate outputs for the Advice team to support informed decision-making.
2. Operational Efficiency
- Reduce cost and time spent on manual analysis.
- Take ownership of recurring ancillary analyses and tools, ensuring delivery within agreed Service Level Agreements (SLAs).
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3. Data Prep & Validation
- Act as the final gatekeeper for client financial data entering our models.
- Clean, format, and validate data to ensure the advice provided is based on sound, accurate inputs.
4. Model Development & Migration
- Support transition of core ALM & FLA models from Excel to Python/code-based platforms.
- Refactor legacy models into robust, scalable systems.
5. Coding & Scripting
- Write clean, efficient Python scripts to automate common tasks (e.g., cash flow projections, tax wrappers).
- Optimise repetitive manual processes for higher efficiency.
6. Testing
- Develop and run unit tests for new model features.
- Compare "Excel vs. Code" outputs to ensure zero discrepancies during migration.
- Verify output aligns exactly with expected results before production use.
7. Documentation & QA
- Maintain comprehensive technical documentation for all financial models:
- Record every assumption, tax rule, and growth factor.
- Reduce key-person risk by ensuring all logic is clearly documented.
- Perform rigorous quality assurance on outputs.
- Immediately investigate and resolve any calculation discrepancies.
8. Advisory Support
- Serve as the technical helpdesk for Client/Advice teams:
- Explain why specific model outputs are generated.
- Troubleshoot "unusual results" and clarify findings.
9. Product Implementation
- Support integration of financial models into the Y TREE digital platform.
- Provide test cases and validate UI data for accuracy.
About You
Technical Skills
-
Experience:
- 2–4 years in financial modelling, risk management, or advisory (preferably in HNW/UHNW wealth management).
-
Qualifications (preferred but not required):
- Degree in finance, economics, or related discipline.
- MSc, CFA, or CFA progression advantageous but not mandatory.
-
Technical Proficiency:
- Strong Python programming skills (with preference for capital market-oriented coding).
- Advanced Excel expertise: Portfolio analytics, data manipulation, and financial modelling tools (XLOOKUP, Power Query, Power Pivot).
- Understanding of finance stack tools and platforms.
-
Client-Centric Experience:
- Previous client-facing or advisory work is useful but not mandatory.
- Must have strong analytical skills in financial planning for sophisticated clients.
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Personal Qualities
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Analytical Mindset:
- Strong grasp of investment risk management and portfolio construction.
- Ability to balance technical precision with clear, intuitive communication.
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Collaborative & Curious:
- Detail-oriented, proactive problem-solver.
- Team player who embraces complex systems with enthusiasm.
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Client-Facing Agility:
- Ability to bridge the gap between technical models and client-relevant storytelling.
-
Alignment With Our Objectives:
- Committed to data-driven, purposeful wealth management.
What’s in It for You?
At Y TREE, we invest in your wellbeing, growth, and happiness. Our benefits include:
Wellbeing Support
- Private healthcare via Vitality partnership (50% gym discounts, exclusive rewards programme).
- Employee Assistance Programme (EAP) for mental health support.
Flexibility & Balance
- 25 days annual leave (and we truly encourage you to unplug—use it guilt-free).
- No "meetings on anniversary days" (time off for appointments, family, etc.).
Cultural Perks
- Casual, dog-friendly London office with breakout spaces, quiet booths, and collaborative zones.
- Regular team outings and social events (a variety of activities to suit different preferences).
Financial & Professional Security
- 3% straight-through employer pension contribution (with additional contributions if you choose salary sacrifice).
- Generous progression opportunities (support for professional qualifications like CFA).
- Family-friendly policies (e.g., electric vehicle schemes).
Diversity & Inclusion
We actively build diverse teams in terms of thought, culture, backgrounds, and perspectives. If you feel you could excel in this role—apply anyway, even if you don’t match every "requirement" perfectly.
Note: Sponsorship isn’t available for this position, but we encourage applications from all backgrounds who can demonstrate alignment with Y TREE’s values.
The best financial models start with the right partnership. Apply now.
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