Treasury Lead Analyst

About the Position

Pockit and Monese are the all-in-one money apps that make it easy for people to access and manage the financial tools that put them in control of their money. We provide vital financial services, from accounts and cards through to income advance. In October 2024, Pockit acquired Monese, creating the leading fintech for low-income individuals and those who are poorly served by traditional banks. The combined business serves over three million customers across the UK and Europe.

Responsibilities

• Support the delivery of key treasury change initiatives, including a major migration programme.
• Take responsibility for the day-to-day operation of treasury activities.
• Work closely with finance, operations, technology, and external partners to ensure project milestones are met without disruption to liquidity, funding, payments, and banking operations.
• Hands-on project management of treasury and banking migrations, owning end-to-end delivery from planning and stakeholder coordination through to cutover and stabilization.
• Design the payment flows in the e-money ledger and related safeguarding flows to make the most efficient use of the capital and meet regulatory requirements.
• Support the design of processes and procedures around compliant and efficient safeguarding requirements.
• Design the reconciliation models/processes for the core ledger and all partner payment flows.
• Set up the reporting processes and data collection around financial and regulatory reporting.
• Build models and strategies to forecast and manage EMI capital requirements and operational liquidity at all partners.
• Scope and evaluate treasury requirements for any new product integration and ensure these are met by the product.
• Conduct and build quality controls of various processes and rules around treasury operations.
• Manage ad hoc projects and put out daily fires.
• Support the Treasury team in daily operations.
• Work closely with internal tech and product teams and liaise with external payment partners in the development and maintenance of treasury flows.

Requirements

• Minimum 5 years of experience in Treasury function in a financial institution, payments service provider, electronic money issuer, or in a similar field.
• Understanding of UK and wider European payments and electronic money regulations.
• Knowledge of Treasury ALM and Risk management concepts.
• Experience in an EMoney, Payments, or related company preferred.
• Knowledge of SQL and relational databases strongly preferred.
• Accomplished in financial modeling and analytics.
• Analytical, strategic thinker with strong judgment and foresight.
• Degree in Finance, Economics, or Accounting or equivalent experience.

We Offer

• Join a mission-driven company working at the intersection of technology and financial inclusion.
• Work with a diverse, entrepreneurial, and ambitious team.
• Make a real impact in a scale-up with global reach and strong growth potential.
• Competitive compensation and benefits, including share options, Bupa private healthcare, and flexible working.

Work Location

We are open to applicants based in London or Tallinn. The primary place of work is Pockit’s headquarters in Marylebone, London, or Telliskivi, Tallinn, where the role will be expected to be in the office 3 days a week (Monday, Tuesday, and Thursday).

About the Company

We're a lively, diverse, and international team, based across offices in London, Newcastle, Tallinn, and remote teams in central Europe. You'll be joining a team that fosters curiosity, ambition, accountability, and resilience and we know you'll be made to feel at home straight away.