Finance Manager

About Jaja 

Our Mission: Empowering our customers to buy, borrow, and build—driven by tech, fuelled by data, and built for the future.

Our Company Values: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple 

Jaja is an innovative UK based consumer finance business, leading initially with a digital credit card launched in 2018, and a pipeline of consumer finance solutions in the making. 

We are on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time and frustration. Or as we say it, Make Simple. 

We will delight our customers – making the customer experience simpler, more enjoyable, more intelligent – treating customers fairly and giving them more control of their money.

Why Join Us?

This is a chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever. 

We have a collaborative team structure fueled by an exciting mix of people, welcoming experienced people from the industry with both feet on the ground and tech-savvy dreamers who pave way for the new stuff. Come as you are and be yourself! 

Finance Manager  | 12 Month FTC  | £50,000-£60,000

We’re looking for a detail‑driven Finance Manager to support month‑end close and group reporting across a multi‑entity, structured finance environment. You’ll have end‑to‑end responsibility for entity‑level reconciliations, accruals, consolidation inputs, and board reporting, working closely with internal stakeholders and external auditors.

This role requires hands‑on experience with securitisation structures or securitised portfolios, including SPVs, servicer reporting, waterfalls, accruals, and related accounting and reconciliation activities. It’s a delivery‑focused role suited to someone who enjoys owning complex processes and ensuring accuracy, control, and transparency.

What you’ll be doing

(including but not limited to the following)

Owning the month‑end close across multiple group and structured finance entities

Preparing and posting journals in SAP, including accruals, interest, and true‑ups

Maintaining accrual schedules, balance sheet reconciliations, and supporting working papers

Owning statutory audit deliverables and acting as the key contact for external auditors

Preparing audit‑ready documentation and supporting year‑end activities

Preparing entity‑level and group management accounts

Supporting monthly and year‑end group consolidation

Analysing performance versus plan and prior periods with clear variance commentary

Owning accounting and reporting for securitised SPV structures

Reviewing servicer reports and preparing waterfall, accrual, and cash allocation workings

Reconciling servicer data to internal records and posting true‑up journals

Maintaining interest, financing, and share capital schedules

Performing bank and intercompany reconciliations

Preparing cash movement files and cash flow analysis

Skills and Experience

Technical Skills

Experience in management and/or group accounting

Strong month‑end close, reconciliation, and control experience

Exposure to securitisation structures, SPVs, waterfalls, or structured finance portfolios

Experience preparing management accounts and consolidation inputs

Strong Excel capability (advanced schedules, reconciliations, and analysis)

Experience working with SAP or a similar ERP system

Experience liaising with auditors

Key Skills

Part‑qualified or qualified accountant (ACA / ACCA / CIMA preferred)

Highly organised with strong attention to detail

Comfortable managing multiple entities and deadlines simultaneously

Proactive, confident, and able to take full ownership of deliverables

Able to explain financial movements clearly to non‑technical stakeholders

Calm and effective under pressure, with a delivery‑focused mindset

You Should Apply If

You enjoy owning complex financial processes end‑to‑end

You’re detail‑oriented and care deeply about accuracy, auditability, and control

You thrive in structured finance or multi‑entity environments

You’re proactive, reliable, and comfortable working autonomously

You communicate clearly, directly, and professionally with a wide range of stakeholders

You want to make a tangible impact within a fast‑moving financial services environment

What's in it for you?  

The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever   

Competitive salary   

Pension contributions, including Salary Exchange facility 

Annual bonus potential

Private medical cover provided by Vitality (optional benefit)

25 days annual leave (FTE) plus UK bank holidays (with an additional day added for each full calendar year worked, up to a maximum of 30 days). 

Your birthday off each year as an additional day's holiday

4x life insurance cover 

Access to our confidential Employee assistance programme