LendInvest

LendInvest is the UK’s leading FinTech platform for property finance. Over the past 18 years, we have grown from just our two founders to a team of over 200 working to make property finance simple for everyone.

A workplace culture built around trying new things, getting things done, and having fun while we do it has helped us lend more than £9 billion of mortgages, put thousands of new or improved homes into the UK housing market, and successfully launch on the London Stock Exchange. We have big plans to continue growing the business, our products, our technology, and our people.

We operate a hybrid working policy across our business to ensure we offer flexibility that is balanced with in-person collaboration. Our teams spend three days per week in the office and two days working remotely.

About your work

Reporting to and partnering closely with the FP&A Senior Manager, the FP&A Analyst will play a key role in supporting commercial and strategic decision-making across the business.

This is a commercially focused FP&A role combining financial modelling and forecasting (c.40%) with business partnering, pricing, profitability analysis and subject-matter expertise (c.60%).

The role will develop a strong understanding of the key commercial and financial drivers of the business, becoming a trusted FP&A partner to teams including Sales, Capital Markets, Product, Operations and Marketing.

A key part of the role is not simply producing financial analysis, but understanding and challenging the assumptions behind it, translating complex financial information into clear commercial messages, and helping stakeholders understand the implications for profitability and business performance.

Key Responsibilities

• Develop a deep understanding of the business model, products, funding structures and key drivers of revenue, margin and profitability.
• Act as an FP&A subject-matter expert (SME) for designated products and business areas, providing commercial insight and financial support to stakeholders.
• Partner with Sales, Capital Markets, Product, Operations and other teams to support commercial and strategic decision-making.
• Support product pricing and pricing strategy, assessing the impact of changes in customer pricing, funding costs, product mix, volumes and credit assumptions.
• Own and develop product and channel profitability analysis, identifying the key drivers of returns and opportunities to improve commercial performance.
• Support and challenge business cases, commercial proposals and investment decisions.
• Develop, maintain and challenge the commercial assumptions underpinning forecasts and financial models, ensuring they remain aligned with current business performance, market conditions and strategy.
• Analyse actual performance against forecast, identifying the underlying commercial drivers of variances and working with the business to understand implications for future performance.
• Translate complex financial analysis into clear, concise messaging for senior management and other stakeholders.
• Prepare insightful papers, presentations and analysis for the Executive Committee and senior leadership.
• Support the development of financial and performance messaging for investor reporting, results presentations and other external communications.
• Support responses to investor, lender and stakeholder queries, providing clear analysis and ensuring consistency between financial performance, forecasts and external messaging.
• Provide constructive challenge to commercial decisions and help stakeholders understand the financial and non-financial implications of alternative courses of action.
• Use, understand and support the business forecasting model, incorporating new products, funding arrangements, investors and strategic initiatives.
• Support the annual budget, medium-term planning and reforecasting processes.
• Build and maintain robust modelling of key business drivers including origination volumes, pricing, margins, funding costs, operating costs and profitability.
• Perform scenario and sensitivity analysis to assess the impact of pricing changes, volume assumptions, funding strategies, market movements and stress events.
• Ensure modelling assumptions are clearly documented, understood and supported by appropriate commercial evidence.
• Analyse the interaction between operational drivers and financial outcomes, ensuring models accurately reflect how the business operates.
• Prepare and review key management information, ensuring the integrity, consistency and accuracy of financial and non-financial data.
• Identify opportunities to improve forecasting, reporting and analytical processes through automation and better use of data.
• Support ad-hoc modelling, analysis and strategic projects as required.