Finance Manager

At Fluro, we’re on a mission to create a lasting, positive change in the credit industry. As a fast-growing fintech team, we’re building pioneering, fair and accessible digital finance products designed for the UK market-driven by a belief that finance can be a force for good. From our brand to our environmental footprint, we care about the details and do things with purpose.

We foster a highly collaborative culture that values both collective progress and individual autonomy. Whether you’re an experimenter or strategic thinker, you’ll find the freedom to work in a way that suits you best, while making real impact. Innovation is central to how we operate, and we’re not afraid to try new things (and sometimes fail) in pursuit of better solutions.

Fluro is proud to be an equal opportunities employer. We’re committed to building for good-for all people. That means listening more than speaking, and creating space for diverse experiences, backgrounds, and voices to shape our future. If you’re passionate about making finance fairer, smarter, and more human, we’d love to hear from you.

The Finance Manager is responsible for the core financial control and reporting processes within Finance, reporting to the Group Financial Controller. Key aspects of the role include regular month end financial control activities and reconciliations/payments linked to loan operations:

Month-end financial reporting and controlling, year-end statutory accounts and regulatory reporting

• Deliver month-end close across the group's legal entities using Sage Intacct, including intercompany reconciliations and Group consolidation process.
• Manage cashbook transactions and ledger account balances, reporting any errors and fixing discrepancies immediately.
• Prepare balance sheet reconciliations, accruals, prepayments, and the fixed asset register incl. depreciation for review.
• Work with FP&A in the delivery of the monthly management accounts and board-pack commentary on performance.
• Manage accounts payable processes including Finance payment controls.
• Drive automation of financial control processes, reconciliations and data feeds using AI tools.
• Maintain strong financial controls including process documentation.
• Apply FRS 102 to complex and non-routine transactions (e.g. leases, loan book accounting) and draft technical accounting papers when required.
• Prepare year-end statutory accounts for group entities and act as main contact for PWC on the financial statement audit fieldwork.
• Prepare FCA returns and capital calculations, including FRR monitoring under IPRU-INV 12.

Reconciliations, payments and loan operations

• Oversee daily client money reconciliations including investigation of breaks, fixing rot cause issues and final signoff.
• Monitor AccessPay submissions, resolving breaks the same day.
• Review and sign off inbound/outbound cheque log reconciliations
• Ensure loan transactions, disbursements, interest and fees are accurately recorded.
• Manage incoming and outgoing customer payments, including direct debits, card payments and payouts. Act as point of contact for payment and loan servicing queries escalated by Operations, customer support and other teams.
• Maintain and improve processes for failed payments, refunds and manual interventions.
• Liaise with payment providers to monitor performance and resolve issues.
• Scope and test system updates and improvements, partnering with Engineering and Product teams.
• Implement process maps and documentation for payment operations.
• Identify and fix recurring operational pain points that affect customers.

Skills & Requirements

Need to haves:

• Qualified accountant with 5+ year’s experience
• Proven experience managing the month end close for multiple entities and building draft financial statements
• Loan operations and cash management experience
• Experienced working with AI and automation

Nice to haves:

• CASS experience
• Consumer lending business finance support
• FP&A experience

• Pension scheme – Fluro matches up to 5%
• Health Insurance, which includes covering the full cost of premiums and can be extended to cover any dependants who live at the same address
• Fluro pays up to £30 per month towards an employee’s gym membership
• Life insurance policy – 4x salary
• Income protection policy
• Service Recognition for 5+ years and 10+ years at Fluro