Experienced Financial Modeller - Fintech / Payments

Job Title: Experienced Financial Modeller - Experienced Financial Modeller - Fintech / Payments

Location: Client's office in Central London (no remote)
 

Role Overview: We are seeking an experienced Financial Modeller to develop an investment banking/venture capital-grade financial forecast model. The successful candidate will provide essential advice and recommendations to refine and improve the model's core requirements. This role is crucial for assembling the model effectively and ensuring it meets investor expectations.

Key Responsibilities:

• Model Development: Create a modular structure where core P&L, balance sheet, and cash flow statements are dynamically fed from individual business unit sub-models. Each business unit should be a self-contained sub-model with clear assumptions, calculations, and outputs, consolidated into group-level financials.
• Integration: Translate existing model architecture and assumptions (HQ overheads, acquisition funnels, loan schedules, people costs, macro assumptions) into a fully integrated forecast. Link customer acquisition to installs, applicants, registered users, active users, customer activity, revenues, and ARPU.
• Customer & Revenue Modelling: Build in flexible customer acquisition and retention mechanics, modelling CAC, churn, LTV, and growth cohorts, reflecting differences across regions.
• Scenario Analysis: Incorporate base, bull, and bear cases across key drivers such as FX, inflation, marketing spend, conversion rates, ARPU, and people costs. Allow for simple toggling between scenarios and the ability to toggle individual business units on or off for consolidated reporting.
• Funding & Capital Structure: Include debt servicing (e.g., Stockford loan) and capital structure impacts, showing funding requirements, equity injections, and runway.
• Outputs & KPIs: Develop investor-ready dashboards and KPI summaries,  including CAC, LTV, burn rate, runway, breakeven point, ROE/ROI, and unit economics per business line. Present KPIs at both business unit and consolidated level.
• Quality Assurance: Ensure transparent formulas (no hardcoding), separation of assumptions, calculations, and outputs, modular design with clear signposting, and formatting suitable for investor distribution.

Qualifications & Skills

• Proven expertise in financial modelling in investment bank or private equity
• Sector knowledge of fintech / payments / financial trading businesses
• Strong analytical and problem-solving skills, with meticulous attention to detail and accuracy.
• Ability to understand complex business models and translate vision into clear financial outcomes.
• Excellent communication skills for presenting findings and advising senior stakeholders.

Timing

• Start Date: Ideally early September.
• Deliverables: A draft model is required mid September 2025, meaning the project should be completed within approximately 7 working days from the ideal start date.

Activity: Analyst, Other Specialist, Capital Markets Specialist, Corporate Finance Advisor, Interim CFO/Controller, Strategy Consultant

Sector: Fintech

Skills: Financial Modelling

Years of Experience: 5-9 years, 10-14 years

Region: UK