Financial Planning and Analysis (FP&A) Accountant

• J ob Title: FP&A Accountant
• Working Pattern: Monday to Friday, 09.00 - 17.00 36.25 hours per week
• Salary: £65,000 - £75,000 and up to 20% bonus and benefits
• Location: Hybrid work from either our London (Holborn) or Blackpool office (FY4 2FB, free parking at office)

💚 Shaping the future of sustainable digital banking 💚

Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK.

People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together.

Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®.

Tandem is growing fast and helping to shape the future of sustainable banking.

Your team: Collaborators in change

Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers.

Reporting to the Head of FP&A, this is a highly visible role supporting financial planning, forecasting, budgeting and performance reporting across the business. Working closely with stakeholders at all levels, the FP&A Accountant will transform financial and operational data into meaningful insight, develop forecasting models, analyse business performance, and support strategic and commercial initiatives. With exposure to senior leadership, Board reporting and a broad range of financial and operational challenges, this role offers an excellent opportunity for an ambitious finance professional to develop their career within a growing financial services business.

Your Impact: Building a sustainable tomorrow

As an FP&A Accountant at Tandem your focus will be on:

Financial Planning & Forecasting

Develop and maintain budgeting, forecasting and planning models.

Forecast lending balances, net interest income, EIR / fee income and portfolio profitability.

Support quarterly reforecasts, annual budgeting and planning processes.

Perform scenario and sensitivity analysis to support decision-making.

Work with stakeholders across the business to understand key assumptions, risks and opportunities.

Management Reporting & Analysis

Produce monthly management reporting, performance analysis and forecast updates.

Analyse and explain performance against budget and forecast, identifying key drivers of variance.

Prepare clear commentary and presentations for senior management and Board reporting.

Support ad hoc financial analysis and strategic decision-making.

Business Partnering

Partner with designated business divisions, providing financial insight and performance support.

Support stakeholders in understanding P&L performance and forecast expectations.

Challenge assumptions constructively and improve understanding of business performance.

Support business cases, investment appraisals and strategic initiatives.

Data & Continuous Improvement

Use Excel, SQL and Power BI to analyse financial and operational data.

Enhance financial models, reporting tools and forecasting methodologies.

Identify opportunities to improve reporting efficiency, automation and forecasting accuracy.

We’d love to hear from you if you have:

Qualified accountant (ACA, ACCA or CIMA).

Experience within Financial Services, Banking, Consumer Lending or FinTech.

Experience in FP&A, Commercial Finance, Management Accounting or Finance Business Partnering.

Strong financial modelling, forecasting and analytical skills, including experience developing and maintaining forecasting models.

Advanced Excel skills.

Experience using SQL and Power BI.

Strong PowerPoint and presentation skills.

Experience producing management reporting and variance analysis.

Excellent stakeholder management and communication skills.

It would be great, but not essential if you have :

Experience forecasting lending balances, income and profitability.

Understanding of key financial services performance drivers.

Experience working with large and complex datasets.

Rewards that reflect your value, what’s in it for you?

At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer:

25 days annual leave plus 8 days Bank Holiday

An additional day off for a ‘ celebration day ’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc

Buy or sell up to 5 d ays holiday a year

Healthcare cash plan through Westfield Health

Life Assurance at 3 x salary

Electric Vehicle salary sacrifice scheme

Cycle to Work salary sacrifice scheme and a free helmet

Salary sacrifice Pension contribution *, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility)

Smart Tech scheme (buy goods with 0% interest)

10% discount on solar panels

Tandem Hub for treats, cash back and discounts on UK retailers

2 days per year paid volunteering

Free cereal, snacks and drinks in all offices

Quarterly team social budgets

Please note, some benefits are subject to el igib ility criteria , such as passing your probation.

Our Green Deal: Your Impact Amplified

A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below:

Volunteer 14.25 hours a year for charity > receive a half day on a Friday

Take part in a fundraising event > Tandem will match up to £200 a year

Have renewable energy at home > receive an additional 1-day annual leave

Drive an electric car > receive £500 towards a home charger

Use public transport or have a low emissions/hybrid car > entry into a £200 prize draw

Sign up to cycle to work scheme > receive £30 voucher for a cycling helmet

Ready to make your mark?

Apply now and let's pave the way to a more sustainable world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role.

Sourcing Model

Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page.

Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.

Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.