Credit Controller —- Fixed Term Contract

LHV Bank

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards.  Customers can conveniently access these services through the LHV App, enabling secure account opening and management. Role Overview The Senior Financial Accountant is a key member of the UK Finance team with a remit spanning finance operations, financial control and financial reporting. The ideal candidate brings strong accounting expertise, high levels of data and IT literacy, and a sharp focus on quality and control. They will be comfortable operating at pace within a highly regulated environment, with the capability and drive to continuously improve processes as the business scales. Key Responsibilities Financial Controllership & Reporting: * Act as the Financial Controller’s key partner across financial controllership, supporting finance operations, technical accounting, reporting and tax, and helping drive standards, discipline and continuous improvement. * Take responsibility for executing the majority of month-end and year-end close activities, ensuring outputs are accurate, complete and delivered on time in line with IFRS and regulatory requirements. * Ensure the integrity of the general ledger and chart of accounts, with direct responsibility for balance sheet reconciliations, including bank and key control accounts. * Support the preparation of statutory financial statements and disclosures. * Execute and maintain financial reporting models required for a scaling bank (including IFRS 2, IFRS 9 and IFRS 16), adhering to model risk management requirements, with a strong willingness to deepen technical understanding over time. * Support the external audit process by coordinating and delivering high-quality documentation and analysis, ensuring audit requests are addressed accurately and efficiently. * Assist with internal audit activities, ensuring timely, well-evidenced responses to findings and recommendations. Finance Operations & Tax: * Execute a broad range of day-to-day finance operations activities, including Accounts Payable, Accounts Receivable and cash settlements, ensuring accuracy, timeliness and strong control discipline. * Partner with external advisors on tax compliance and reporting, including corporation tax, VAT partial exemption, R&D tax credits and PAYE Settlement Agreements (PSA). * Ensure all financial operations operate within the Bank’s governance, risk and control framework, maintaining strong oversight of financial data quality and reconciliations. Controls, Process Optimisation & Governance: * Design, implement and continuously enhance internal controls to strengthen financial governance and mitigate risk in a high-growth environment. * Proactively identify and deliver process improvements and automation opportunities to enhance efficiency, scalability and reporting accuracy. * Maintain and evolve financial policies and procedures, ensuring alignment with internal governance standards and regulatory expectations. * Collaborate closely with Treasury, Risk, Operations, Product and Technology teams to support cost control, asset capitalisation and other finance-related processes. * Act as a key business partner to Group Finance and UK stakeholders, ensuring alignment, transparency and high-quality financial information flows. Leadership & Culture: * Coach and support junior members of the finance team, reinforcing high standards of accuracy, ownership and professionalism. * Foster a culture of accountability, integrity and continuous improvement across all financial control processes. * Embrace and promote the effective use of modern tools, including AI solutions such as ChatGPT and Copilot, demonstrating strong prompt literacy and comfort leveraging technology to improve efficiency, insight and reporting quality.   Requirements: Education & Qualifications: * Qualified accountant (ACA, ACCA, ICAS, CPA or CIMA), or in the final stages of qualification. * 2–5 years’ post-qualification experience (or equivalent practical experience) within banking, financial services or another regulated environment. Technical & Professional Skills: * Strong core accounting knowledge with practical experience applying IFRS in a financial reporting environment. * Hands-on experience delivering month-end close, balance sheet reconciliations and financial reporting in a controlled environment. * Exposure to statutory accounts preparation and supporting external audits. * Understanding of UK tax fundamentals (corporation tax, VAT), with experience working alongside external advisors. * Experience working with advanced accountings ledgers (Microsoft Dynamics / Business Central / Navision preferred). * Strong Excel capability and high data literacy, with the ability to interrogate large data sets and improve reporting accuracy and efficiency. * Comfortable leveraging modern tools, including AI solutions such as ChatGPT or similar platforms, with solid prompt-writing skills and a practical mindset toward automation and process optimisation. Exposure to SQL/Python and Atlassian tools would be advantageous. * Strong attention to detail and a clear commitment to quality and control. * Well organised, able to prioritise effectively and deliver to tight deadlines in a fast-paced, regulated environment. * Confident communicator, able to work effectively with Group Finance and cross-functional stakeholders. * Fluent in spoken and written English.   Some of our benefits (only applicable to UK based roles not Internship programmes)  * Competitive salary &lots of opportunities to learn, grow and progress professionally. * Open and inclusive culture.   * Hybrid working. * Fantastic offices and great working environment. * Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)  * Health cash Plan (Medicash health plan Level 3) * 6% employer pension contribution. * Life assurance – 4 x salary. * Income protection insurance – 75%   * 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year. * Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.  * Enhanced family friendly and family forming policies. * Access to a wide range of retail discounts.  * Team Socials.

LHV Bank

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards.  Customers can conveniently access these services through the LHV App, enabling secure account opening and management. We are looking for a curious, data-native and highly motivated Junior Financial Accountant / Financial Accountant to join our UK Finance team and grow with the business.  Role Overview This role sits at the heart of the finance function, supporting financial control, reporting and finance operations in a fast-paced, regulated banking environment. You will gain hands-on exposure across the full finance lifecycle, from transaction processing and reconciliations to month-end reporting and statutory accounts support. The role is designed for someone who is technically minded, digitally fluent and eager to build deep accounting expertise while continuously improving how things are done. We are particularly interested in individuals who are genuinely comfortable working with data, systems and AI tools, someone who sees automation and technology as part of their daily toolkit. Key Responsibilities: Financial Controllership & Reporting: * Support the delivery of month-end and year-end close processes, ensuring accuracy and timeliness of outputs. * Prepare and maintain balance sheet reconciliations, including bank and key control accounts, with a strong focus on completeness and data integrity. * Assist in maintaining the integrity of the general ledger and chart of accounts. * Support the preparation of financial reports, management information and statutory accounts disclosures. * Assist in operating financial reporting models, ensuring accurate data inputs and adherence to documented controls. * Provide supporting documentation and analysis for external and internal audits. Finance Operations: * Execute day-to-day finance processes including Accounts Payable, Accounts Receivable, expense processing and cash settlements. * Ensure transactions are recorded accurately and in line with internal controls and accounting policies. * Support tax compliance processes by preparing schedules and working papers for review. * Maintain high standards of documentation and audit trail across all activities. Data, Systems & Process Improvements: * Use Excel and accounting ledger systems to analyse financial data, investigate discrepancies and improve reporting outputs. * Identify opportunities to streamline, automate or enhance existing finance processes. * Leverage AI tools (such as ChatGPT, Copilot or similar platforms) to improve efficiency, documentation quality, reconciliations and reporting workflows. * Demonstrate strong prompt literacy and a structured approach to using AI responsibly within a controlled environment. * Work closely with Technology, Operations and Group Finance to improve data flows and reporting accuracy. Requirements Education & Qualifications: * Bachelor’s degree in Finance, Accounting, Economics, Mathematics, Data Analytics or a related field. Strong A-Level performers will also be considered. * Studying towards an accounting qualification (ACA, ACCA, CIMA or equivalent) or planning to commence studies. * For Financial Accountant level: part-qualified or newly qualified with relevant practical experience. Technical & Professional Skills * Strong foundational accounting knowledge (double-entry, accruals, reconciliations, financial statements). * Natural affinity for systems and technology; quick to learn new tools and platforms. * Strong Excel capability, with the ability to build clear, logical and well-controlled schedules and working papers, leveraging AI tools (such as ChatGPT or similar) alongside Excel to enhance structure, efficiency and documentation quality. * Demonstrated interest or experience in using AI tools (e.g. ChatGPT or similar) for analysis, automation or productivity improvements. * Strong personal work ethic with high levels of ownership, discipline and accountability; consistently delivers accurate, well-structured work to a high standard, even under time pressure. * Clear communicator with the confidence to ask questions and challenge inconsistencies in data. * Fluent in spoken and written English. Some of our benefits (only applicable to UK based roles not Internship programmes)  * Competitive salary &lots of opportunities to learn, grow and progress professionally. * Open and inclusive culture.   * Hybrid working. * Fantastic offices and great working environment. * Vitality Health Plan (includes private health insurance, travel insurance, gym discounts)  * Health cash Plan (Medicash health plan Level 3) * 6% employer pension contribution. * Life assurance – 4 x salary. * Income protection insurance – 75%   * 28 days holiday plus 3 additional days, & further days for various key life events as well as the opportunity to sell up to 5 days per calendar year. * Swap public/bank holidays each year for alternative days that align with your personal, cultural, or religious observances.  * Enhanced family friendly and family forming policies. * Access to a wide range of retail discounts.  * Team Socials.

Carwow

CREDIT CONTROLLER OUR MISSION To become the car-changing destination of choice. By combining technology, media and deep automotive expertise, we've turned how people buy, sell, advertise and lease cars on its head. What started as a simple reviews site is now one of the largest online car-changing destinations in Europe. Last year alone we grew over 50% with nearly £3bn worth of cars bought on site, while £1.8bn of cars were listed for sale through our Sell My Car service. In 2024 we went big and acquired Autovia - creators of AutoExpress and Evo magazines - doubling our audience overnight. Together we now have one of the biggest YouTube channels in the world with almost 10m subscribers and over 1.1 billion annual views, while we sell 1.2 million print copies of our magazines and have an annual web content reach over 350million. And we’re a long way from done! FINANCE @ CARWOW The finance team at Carwow goes far beyond traditional reporting; we are the operational engine that drives commercial scalability across the business. The credit control function you will lead is a talented, multi-regional group managing everything from intricate billing structures to automated dunning cycles. To take this team to the next level, we are not looking for a traditional debt-collection supervisor. We are searching for an operational powerhouse. We value high-level operational management, workflow optimisation, and process-design experience far more than a strict, traditional credit control background. Your success in this role will depend on your ability to untangle complex workflows, drive automation and AI initiatives, master systems like NetSuite and Salesforce, and seamlessly connect our financial operations with the wider commercial business. You will be taking the helm of a team that is eager for structural guidance and clear career progression, making this the perfect opportunity for a leader who excels at building scalable systems and developing people just as much as they excel at protecting the ledger. YOUR MISSION This is an individual-contributor Credit Controller role. You'll take direct, hands-on ownership of a live ledger within one of our core business units, working credit control the way it actually happens inside a fast-moving scale-up: fast cash allocation, sharp dunning cycles, and a bias for fixing the process, not just chasing the invoice. You'll sit within a talented, multi-regional Credit Control team spanning the UK and Portugal, working closely with your Credit Control Lead and peers across our multiple business units. This is a genuinely fast-paced environment: priorities shift, ledgers grow, and the tools we use are evolving constantly as we push automation and AI deeper into the function. If you're looking for a slower, process-heavy corporate credit control role with fixed procedures and limited variety, this isn't it. If you want real ownership of a ledger from day one, plenty of variety, and the chance to shape how a growing team works, we want to hear from you. KEY RESPONSIBILITIES * Own the end-to-end credit control cycle for your assigned ledger, from dunning through to cash allocation and query resolution. * Proactively chase outstanding debt and manage the collections cadence to hit DSO and cash collection targets. * Investigate and resolve customer disputes and billing queries quickly, working directly with commercial stakeholders where needed. * Keep NetSuite and Salesforce records accurate and up to date, and flag data or process issues before they become bigger problems. * Support the rollout of automation and AI tools within credit control, adopting new ways of working as the team's processes evolve. * Work closely with your Credit Control Lead and wider Portugal-based team to share knowledge, cover ledgers during absence, and keep cross-territory ways of working consistent. * Contribute to a fast-changing environment by flagging inefficiencies and suggesting practical fixes, rather than waiting to be told what to improve. KEY REQUIREMENTS * Some experience in credit control, accounts receivable, or a similar collections-focused finance role. * Comfortable working in a fast-paced, constantly changing environment — priorities and processes here shift as we scale, and you'll need to be genuinely energised by that, not just tolerant of it. * A proactive, ownership-driven mindset: you chase things down rather than waiting for them to be chased for you. * Confident communicator, comfortable investigating and resolving disputes directly with customers and internal stakeholders. * Strong attention to detail and comfortable managing a high volume of accounts and cases at once. * Genuinely excited by process improvement and automation — this is not a role for someone who wants to run a fixed, unchanging process. * Start-up or scale-up experience is a strong plus; if your background is entirely in large, slow-moving corporate environments, this role is unlikely to be the right fit. BONUS POINTS * Previous experience working with UK based clients. * Practical, hands-on experience with systems such as NetSuite, Salesforce, Excel or Google Sheets (or a fast willingness to learn them). * Exposure to automation or AI tools used to streamline credit control or finance operations, even in a small or informal way. * Experience working within a business that operates across multiple countries or currencies. * Experience working alongside a small, remote or hybrid finance team and comfortable collaborating cross-border day to day. WHAT’S IN IT FOR YOU * Hybrid working * Competitive salary to fund that dream holiday to Bali * Share options - when we thrive, so do you! * Private Healthcare, for peace of mind * Meal allowance * Monthly coaching sessions with Spill - our mental wellbeing partner * Enhanced holiday package, plus Bank Holidays * 28 days annual leave * 1 day for your wedding * 1 day off when you move house - because moving is hard enough without work! * For your third year anniversary, get 30 days of annual leave per year * For your tenth year anniversary, get 35 days of annual leave per year * Option to buy 3 extra days of holiday per year * Work from abroad for a month * Inclusive parental, partner and shared parental leave, fertility treatment and pregnancy loss policies * The latest tech (Macbook or Surface) to power your gif-sending talents * Up to £500/€550 home office allowance for that massage chair you’ve been talking about * Generous learning and development budget to help you master your craft * Regular social events: tech lunches, coffee with the exec sessions, lunch 8 learns, book clubs, social events/anything else you pester us for * Refer a friend, get paid. Repeat for infinite money Diversity and inclusion is an integral part of our culture. We know that diverse teams are strong teams, so we welcome those with alternative identities, backgrounds, and experiences to apply for this position. We make recruiting decisions based on experience, skills and potential, so all our applicants are treated fairly and equally.