Finance Change Analyst

Industry: Financial Services
Hybrid Model (1 day on site)
£40,000 – £45,000 + Bonus

Role Overview:

• Use analytical tools (process mapping, gap analysis, SWOT) to improve finance operations.
• Maintain and manage finance backlog documentation.
• Define clear business requirements for successful outcomes.
• Identify process improvements, benefits, and quick wins; support testing and adherence to new processes.
• Create clear requirements documentation for stakeholders.
• Design, test, and implement system changes for continuous improvement.
• Support finance transformation projects and wider business initiatives.
• Foster effective collaboration across all levels, driving continuous improvement.
• Ensure system integrity and compliance with company policies and regulations.

Experience & Skills:

• Experience in accounting/finance, finance systems, and system administration (TM1/Workday preferred).
• Strong Excel skills and financial report writing.
• Deep understanding of finance processes and terminology.
• Excellent analytical, organisational, and problem-solving skills.
• Strong communication skills with all stakeholders, including senior management.
• Ability to work under pressure and drive process improvements.

Job Title: Senior Credit Risk Analyst
Salary: Up to £60,000 per annum
Location: Cardiff

Working Pattern: Hybrid/Flexible

Are you a data-driven professional with a passion for credit risk? Our client is seeking a Senior Credit Risk Analyst to join their Financial & Credit Risk function. You will play a key role in providing independent oversight of their lending portfolios, ensuring robust risk management across Unsecured Loans, Motor Finance, and Mortgages.

Benefits

• Hybrid working
• 33 days holiday (including bank holidays)
• Generous pension
• Lifestyle discounts

Responsibilities

This role sits within the Credit Policy and Oversight team, where you will:

• Provide independent risk oversight of credit strategies across the company’s three lending portfolios.
• Partner with 1st line credit and pricing teams to ensure lending decisions align with risk appetite and policy.
• Use advanced analytics to conduct deep-dive reviews and identify emerging portfolio trends.
• Shape and enhance credit policies that protect both the business and its customers.
• Lead thematic reviews to ensure consistent application of risk frameworks.
• Assess proposed strategy changes against regulatory requirements and risk appetite.
• Champion robust controls and governance across lending operations.

Requirements

Essential:

• Proven credit risk experience in consumer lending.
• Strong SQL coding knowledge and Excel skills.
• Strong communication skills.

Desirable:

• Deep understanding of FCA CONC, MCOB, and consumer credit regulation.
• Portfolio analysis and credit strategy background.

If you’re an experienced Senior Credit Risk Analyst looking to make an impact, apply today and take the next step in your career!

What you’ll be doing

• Lead and inspire a team of Customer Operations Representatives, fostering a high-performance culture of excellence and customer satisfaction.
• Coach and mentor your team through performance management, one-to-ones, and tailored development plans to ensure personal and professional growth.
• Be the key point of contact for open, transparent communication within the team, ensuring alignment with business goals and creating a collaborative environment.
• Resolve operational and performance challenges, implementing solutions that enhance both team efficiency and customer experience.
• Use data analytics to make informed decisions, track performance, and identify areas for team development.
• Develop and implement training plans to ensure your team’s skills are always aligned with business needs.
• Continuously strive for innovation and excellence, playing an active part in improving our services and operations.

What we’re looking for

• At least 1 year of experience in a managerial role preferably within customer service, financial services, or life and pensions.
• A passion for problem-solving, decision-making, and making a real difference within a team environment.
• Strong time management and organisational skills to juggle multiple priorities effectively.
• Excellent communication skills, both written and verbal, with the ability to engage and motivate others.
• Proficiency in MS Excel and Word, and an eagerness to embrace new technologies and systems.
• A genuine desire to support your team’s growth while delivering an exceptional customer experience.

Are you ready to take on a dynamic role in underwriting a diverse range of business? Our leading client is looking for a skilled underwriter to join a team and ensure our policies are well-priced, properly structured, and aligned with the company’s risk management guidelines and customer needs.

• SME Insurance Knowledge:

Apply your knowledge of SME insurance to assess risks and identify opportunities for process improvements.

Stay informed about industry changes and trends to enhance your underwriting decisions.

• Underwriting Decisions:

Review, assess, and price a variety of risks to ensure each policy meets our underwriting standards and aligns with our risk appetite.

Ensure our portfolio remains healthy and competitive, delivering the best outcomes for our customers.

• Risk Assessment:

Utilize your underwriting expertise to balance attractive coverage for customers with effective risk management for the business.

Make clear, well-judged decisions while adhering to company guidelines and regulatory requirements.

• Collaboration with the Team:

Work closely with your colleagues to ensure consistency and share knowledge.

Collaborate with other departments to facilitate smooth communication and decision-making processes.

• Technical Guidance:

Provide guidance and share best practices with junior team members to help them develop.

Maintain the quality and consistency of underwriting decisions across the team.

• Policy Development & Review:

Contribute to the development and review of policy wordings, ensuring clarity, regulatory compliance, and alignment with market practices.

• Compliance:

Ensure your underwriting decisions comply with internal processes, regulatory standards, and company policies.

Work with compliance and governance teams to meet all required standards.

• Client & Broker Communication:

Engage with clients or brokers to explain underwriting decisions or resolve complex queries.

Clear communication and a customer-focused approach are essential.

If you are passionate about underwriting and ready to make a significant impact, we would love to hear from you!

Commercial Finance Manager
Salary: £60,000 + £5,000 Car Allowance + Potential Bonus
Location: City of Salford, Manchester

Are you a highly skilled Commercial Finance Manager looking for your next challenge? Our client is seeking a results-driven professional to join their Commercial Finance team. This role offers a fantastic opportunity to oversee key client contracts, deliver insightful financial reporting, and drive strategic decision-making within a dynamic business environment.

Benefits:

• Hybrid working
• £5,000 car allowance
• Company pension
• Performance-based bonus

Key Responsibilities:

As the Commercial Finance Manager, you will be responsible for:

• Producing financial statements, including P&L accounts, cash flows, variance analysis, and commentaries.
• Collaborating with commercial colleagues to develop budgets and forecasts, ensuring performance aligns with key targets and KPIs.
• Providing accurate financial analysis to the Commercial Financial Controller, supporting strategic decision-making at a contract level.
• Leading the production of contract management accounts and reporting models within required deadlines.
• Acting as the finance lead on a JV contract, managing monthly JV accounts, cash receipts, and payments.
• Managing and mentoring two management accountants.
• Ensuring compliance with financial controls, processes, and regulatory frameworks.
• Driving continuous improvement initiatives to enhance reporting accuracy and efficiency.
• Resolving business issues through innovative, risk-balanced solutions.
• Delivering outstanding customer service to internal and external stakeholders.

Skills & Experience Required:

• Qualified accountant (ACA / CIMA / ACCA or equivalent).
• Proven experience in a Commercial Finance Manager or similar role.
• Strong knowledge of accounting and reporting systems, financial regulations, and compliance frameworks.
• Advanced proficiency in Excel, PowerPoint, and Word.
• Analytical mindset with problem-solving skills and a continuous improvement approach.
• Up-to-date awareness of Financial Reporting Standards and global accounting practices.

This is an exciting opportunity for a proactive Commercial Finance Manager to make a significant impact within a forward-thinking team. If you have the skills and experience to excel in this role, apply today!

Finance Administrator

Industry: Financial Services
Buckinghamshire Office (5 days on site)
£30,000 + 10% Bonus

Key Responsibilities:

* Support daily and month-end tasks like accruals, prepayments, reporting, and system admin.
* Perform daily and monthly reconciliations accounts ensuring accuracy and meeting deadlines.
* Work with other teams to resolve queries.
* Assist with accounts payable/receivable, bank reconciliations, VAT returns, and processing payments.
* Maintain process and procedure notes.
* Support the finance team with ad-hoc tasks.
* Notify regulators of any required matters.

Key Skills / Experience: Financial Analysis, Accounts Reconciliation, Process Improvement, Team working, Stakeholder Management.

Data Analyst

• Location; Remote, ad-hoc travel to York
• Duration; 6 months initial
• Rate; Up to £600 (engagement must be via an umbrella company)

Sanderson are currently partnered with a leading financial services brand to support an ongoing pensions project looking at policies that have gone ‘Beyond Maturity’. The candidate taking on this role will be responsible for matching & analysing data, spotting anomalies within the data, data mapping and working with large model point files.

Required Experience:

• Understanding of Policy level data, liabilities and customer journeys beyond retirement.
• Experience working on ‘with profits’ products.
• An understanding/background within Finance or Actuarial

If this is of interest, please apply online or email [email protected] with an updated CV attached.

Job Title: Tax Manager – FTC
Salary: Up to £550 per day (overall assignment rate to Umbrella company)

Contract Length: 12 months
Location: Flexible / Remote

Are you an experienced tax professional ready to make an impact? Our client is looking for a Tax Manager to join their team on a contract basis, providing high-level support in tax compliance, reporting, and advisory services. This role offers a competitive daily rate and an exciting opportunity to work in a dynamic environment.

This role will need to operate through an Umbrella company and all employer, employee tax and NI will be deducted from the rate.

Benefits

• Flexible working
• 24-hour support for physical and mental wellbeing
• Employee Assistance Programme
• Tailored learning programmes

Key Responsibilities

• Manage a varied workload with both short- and long-term deadlines, ensuring all deliverables are met.
• Identify and implement best practices to enhance efficiency in tax return and accounts processes.
• Prepare accurate and timely tax reporting, forecasting, and compliance deliverables aligned with Group Tax Standards.
• Oversee tax provisions and disclosures for IFRS and Solvency II financial statements.
• Handle all aspects of the corporation tax compliance process, including CTSA payments and reviews.
• Provide expert advice on tax matters, ensuring tax risks are well-managed and understood.
• Ensure tax efficiency for in-scope entities while considering group-wide implications.
• Collaborate with Finance teams on tax charge preparations and other reporting requirements.
• Build and maintain strong business relationships, effectively managing expectations.
• Contribute to team goals, sharing knowledge and delegating where appropriate.

Essential Experience and Skills

• Accounting and/or tax qualification (ACA, ACCA, ACMA, CIOT).
• Strong knowledge of UK corporate tax legislation and HMRC practices.
• Experience with IFRS accounting (including consolidated accounts) and Solvency II reporting.
• Ability to assess and communicate the impact of new corporate tax developments.
• Excellent communication skills, with the ability to convey key tax risks to non-specialists.

If you’re ready to take on this challenging and rewarding role as a Tax Manager, apply today to make your mark in a forward-thinking organisation!

Mortgage Advisor
Hybrid Position, Based in Chorley (2-3 days per week)

Permanent / Full Time Position

£30,000 – £35,000

We are currently working with one of leading financial service clients to recruit a Mortgage Advisor into their well-established team, to deliver a high-quality and efficient mortgage advisory service to customers, conducting all meetings in strict adherence to regulatory compliance.

Mortgage Advisor Responsibilities & Key Duties

• Provide Expert Mortgage Advice: Offer accurate and reliable mortgage advice to potential customers, both in-person and over the phone, ensuring a personalised experience.
• Support Mortgage Retention Strategy: Proactively engage with customers before their current mortgage term ends to support the Society’s retention strategy and enhance customer satisfaction.
• Efficient Mortgage Application Processing: Process mortgage applications using the Society’s software system and handle all related administrative tasks, maintaining clear communication with customers throughout the application process.
• Accurate Record Keeping: Maintain detailed, up-to-date records and notes at each stage of the mortgage application to ensure smooth processing.
• Mortgage Application Approval: Approve mortgage applications within specified limits, ensuring alignment with the Society’s Lending Policy.
• Consider Non-Standard Applications: Evaluate mortgage applications that fall outside the standard lending policy, providing justifiable business reasons when necessary.
• Present Out-of-Criteria Cases: Submit non-standard cases to the Credit Risk Committee with well-supported recommendations and rationale for consideration.
• Stay Informed on Regulatory Changes: Continuously update knowledge of regulatory matters, including compliance with the latest mortgage-related laws and share insights with colleagues.
• Comply with Legal & Regulatory Standards: Ensure full compliance with all legal responsibilities, such as regulations on Vulnerable Customers, AML, MCOB, DPA, FCA, and other relevant guidelines.

Technical skill and Knowledge Required;

• CeMap qualified or industry equivalent.
• 5 GCSE at Grade C or above including Maths and English or equivalent.
• Excellent communication skills both written and verbal.
• Experience of Microsoft packages including word & excel.
• Ability to independently manage multiple tasks
• Strong attention to detail

Regulated Reconcilitations Analyst

• Edinburgh (Hybrid Working)
• 6 month initial contract
• Up to £300 (inside IR35)

Brief Description of Role/Purpose:
This role is part of the Regulated Reconciliations Team within Finance Operations. The primary responsibility is to ensure the accuracy and integrity of financial records, specifically focusing on client money reconciliations, regulatory compliance (CASS), and resolving discrepancies in financial transactions. The role ensures compliance with the FCA’s CASS regulations and supports the safeguarding of client money and assets.

Key Responsibilities:

• Complete daily internal and external client money reconciliations, ensuring accuracy and compliance with CASS 7.
• Manage daily system control reconciliations, investigating discrepancies and ensuring proper allocation.
• Process operational loss investigations and report in line with internal standards.
• Prepare and input manual journals as required.
• Download and review tax reconciliations, ensuring timely payments to HMRC.
• Validate monthly BaNCS or Legacy Corporate Ledger against the LBG Corporate Ledger.
• Prepare and submit the monthly Client Money & Asset Report (CMAR) to the FCA within regulatory deadlines.
• Support the upkeep of CASS Resolution Pack data and escalate potential CASS breaches.
• Ensure all tasks adhere to Consumer Duty regulations.