Director of FP&A

We’re on a mission to make migration easy.

We started building Marshmallow in 2017. Since then, we’ve grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.

But we’re only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we’ll grow exponentially, not only by scaling our existing products, but also by building new ones.

To achieve our goals we need incredibly ambitious, commercially driven people who never settle for ‘good enough’. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.

We’ve created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.

The Role

This is a senior leadership position at the heart of Marshmallow’s Group Finance function, reporting directly to the Group CFO. This is emphatically a Group role — you will own FP&A not just at consolidated level but across each of our regulated entities: MIL (Gibraltar-regulated insurer), MFSL (FCA regulated broker), and MCSL (consumer credit lender), as well as all further group entities as the business grows. Each regulated entity has its own Board, its own financial profile, and its own reporting cadence, and you will be the person who makes sure each one has the financial insight and support it needs — in addition to the Group Board.

Beyond the Group consolidation, you will act as the primary finance business partner to each entity’s leadership, ensuring that Board KPI packs, budget sign-offs, and performance reporting are delivered to a consistently high standard — and that the Group CFO always has a clear, accurate picture of how every part of the business is performing.

In addition, you will build Marshmallow’s Procurement function from the ground up — designing the framework, governance, and tooling that will support our next phase of growth. As you establish yourself in the role, there is a deliberate and supported path to take on treasury and investments responsibilities, making this one of the broadest and most developmental Director-level finance roles available in the UK insurtech market.

We are also at the point of launching Planful as our Group FP&A platform, and we want someone who arrives energised by that — ready to shape how it embeds across the business and what it unlocks for the finance team.

The Group CFO has a clear vision for the Finance function: to build something genuinely innovative and AI-led — a function that uses technology not as a support tool but as a core part of how we plan, analyse, and make decisions. We are looking for someone who shares that ambition, who thinks actively about what AI can do for FP&A, and who has the drive and practical capability to deliver the change needed to make that vision a reality.

Key Responsibilities

FP&A Leadership — Group & Entity Level

• Own the Group’s annual budget and rolling forecast cycles, building plans at both Group consolidated level and for each regulated entity: MIL, MFSL, and MCSL

• Serve as the primary FP&A business partner to each entity’s leadership team, ensuring every regulatory Board has the financial insight and KPI reporting it requires

• Design and maintain a suite of entity-level and Group Board KPI packs, tailored to the regulatory context, strategic priorities, and audience of each entity

• Lead monthly and quarterly financial performance reviews, providing clear, actionable commentary to the Group CFO and SLT

• Build and maintain financial models supporting strategic planning, scenario analysis, and capital allocation across the Group

• Partner with business unit GMs and functional leads to translate commercial activity into financial outcomes at both entity and Group level

• Own the production of Group and entity Board financial reporting packs — and present them with confidence to senior stakeholders and Board members

Planful Launch & Embedment

• Join at the point of Planful’s go-live and take ownership of its adoption and continuous development across the Group

• Drive best practice in the platform, working with Finance and the wider business to ensure it delivers on its potential

• Act as the internal champion for modern, AI-assisted FP&A workflows and tooling

Procurement — Build from Scratch

• Design and stand up Marshmallow’s Procurement function, defining policy, governance, supplier management frameworks, and tooling

• Embed procurement rigour across the Group without creating unnecessary bureaucracy

• Drive commercial value through smarter vendor relationships and spend visibility

Treasury & Investments — Growth Path

• As you establish yourself, take on ownership of treasury operations and investment management activity

• Support the CFO in managing the Group’s balance sheet, liquidity position, and returns on invested assets

• Develop a treasury governance framework appropriate for a regulated, fast-scaling financial services group

Team & Stakeholder Leadership

• Lead, develop, and grow the FP&A team, setting high standards and building long-term capability

• Act as a genuine thought partner to the CFO and co-CEOs on financial strategy and operational performance

• Operate with autonomy and confidence — you will be trusted to drive your agenda without being micromanaged

What We’re Looking For

Experience & Qualifications

• Qualified accountant — ACA or ACCA strongly preferred

• Significant FP&A experience in a high-growth, complex business; experience working across multiple regulated entities or subsidiaries is a strong advantage, as is an insurance or financial services background

• Comfortable operating at both Group and entity level — you understand that each Board has different needs and you can adapt your output accordingly

• Proven ability to build budgets and forecasts at entity, product, and Group consolidated level

• Experience designing and delivering Board KPI frameworks across multiple legal entities with different regulatory and commercial contexts

• Hands-on experience with Planful and NetSuite; you know how to get the best from both platforms

• Track record of producing and presenting Board and SLT-level financial decks — you are articulate, confident, and distil complexity into clarity

• Experience standing up or significantly transforming a finance or operational function

Who You Are

• Curious and ambitious — you are never satisfied with good enough and you ask the questions others don’t think to ask

• AI-forward — you think actively about how technology and AI can transform FP&A, and you bring that vision to your team

• Autonomous but collaborative — you are comfortable leading independently, and you know when to bring people with you

• Adaptable — you enjoy pivoting when the business changes direction and treat transformation as an opportunity

• Values-driven — direct, thoughtful, ambitious, and genuinely committed to doing right by customers and colleagues

• Bonus scheme designed to reward high performance

• Private medical insurance with Vitality, mental health support with Oliva

• Personal learning budget and 2 dedicated L&D days a year

• Monthly flexible benefits budget to spend as you choose

• 25 days holiday plus bank holidays

• 4 weeks Work From Anywhere per year

Our process

We break it up into 4 stages:

• Initial conversation with Talent Acquisition (45 minutes)

• Past Experience interview with the Hiring Manager (1 hour)

• Technical interview with the team (1 hour)

• Culture interview to check that your work style fits our processes and values with a member of the leadership team (1 hour)

Why Marshmallow

This is a rare opportunity to step into a broad, high-impact finance leadership role at a company that is genuinely at an inflection point. You will have real ownership, a clear growth path, and the backing of a CFO and leadership team who believe in investing in their people.

We move fast and we build things properly. If you are looking for a role where you can shape multiple functions, develop your career across FP&A, procurement, and treasury, and work in a team that takes both financial rigour and intellectual curiosity seriously — this is it.

Diversity of thought

We know the best ideas come from having different perspectives in the room - and we're committed to hiring fairly, regardless of background, identity or experience. If you see yourself in this role, we'd encourage you to apply.