Job Title: Chief Financial Officer (CFO) - Financial Services Start-Up

Location: South Wales, UK

Salary: Market rate depending on experience

Benefits: Private Healthcare, Pension, Long-Term Incentive Plan (LTIP)

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About the Company:

We are a dynamic and rapidly growing financial services start-up based in South Wales. Our company is dedicated to innovation and service excellence, and has already established itself as a leading player in its chosen market. As we continue to expand, we are seeking a seasoned Chief Financial Officer (CFO) to join our executive team and drive our financial strategy.

Job Summary:

The CFO will play a pivotal role in shaping the financial future of the company. This is a key leadership position responsible for overseeing all financial activities, ensuring the company's financial health, and driving strategic growth. The ideal candidate will have extensive experience in financial services, particularly in treasury management, strong leadership skills, and a proven track record in a high-growth environment.

Key Responsibilities:

- Treasury:

Develop strategies to optimise debt and other funding structures, delivering liquidity from a range of providers.

Engage with banks and institutional investors to deliver efficient, secure funding for financial products.

Efficiently manage all aspects of treasury risk.

- Financial Strategy and Planning:

Develop and implement financial strategies to support the company's growth objectives.

Lead long-term financial planning and forecasting efforts.

Oversee budgeting processes and ensure alignment with strategic goals.

- Financial Management:

Manage all aspects of the company’s financial operations, including accounting, treasury, tax, and financial reporting.

Ensure accurate and timely financial reporting to the board, investors, and other stakeholders.

Lead the financial appraisal of investment and diversification opportunities.

- Leadership and Team Management:

Lead, mentor, and develop the finance team, fostering a culture of high performance and continuous improvement.

Collaborate with other executives to drive business performance and achieve financial targets.

Serve as a key advisor to the CEO and board on financial matters.

- Risk Management and Compliance:

Implement robust internal controls and ensure compliance with regulatory requirements.

Oversee risk management activities, including financial risk, operational risk, and compliance risk.

Ensure the company adheres to the highest standards of financial integrity and governance.

Qualifications:

- Education and Certification:

Bachelor’s degree.

Professional accounting qualification (e.g., ACA, ACCA, CIMA) is required.

- Experience:

Significant experience in senior financial leadership roles, preferably within the financial services industry.

Proven track record in a high-growth environment.

Strong understanding of financial regulations and compliance in the UK.

- Skills and Competencies:

Exceptional strategic thinking and problem-solving skills.

Strong leadership and team management abilities.

Excellent communication and interpersonal skills.

High level of integrity and dependability with a strong sense of urgency and results-orientation.

Benefits:

- Competitive salary plus performance-based bonus.

- Comprehensive private healthcare coverage.

- Pension.

- Long-Term Incentive Plan (LTIP) to reward long-term contributions to the company’s success.

If you are a strategic financial leader with a passion for driving growth and innovation, we invite you to apply for this exciting opportunity to shape the future of our company. Please submit your resume and a cover letter detailing your relevant experience and qualifications.

Join us and be part of a team that is revolutionising the financial services industry in Wales!

Job Title: Broker Account Executive

Location: Cardiff (3 days in the office), with full-time office attendance required during initial training.

Salary: £30,000

Vargo is recruiting for a few Broker Account Executives for a growing financial service business in Cardiff. You will review mortgage applications, ensuring all documentation is complete and compliant with standards.

This is an excellent opportunity for someone working in the financial services industry to work for a scaling mortgage specialist. The role will provide training and plenty of career opportunities.

Responsibilities:

- Ensure all documents are complete and accurate.

- Ready loan files for underwriting, ensuring compliance.

- Conduct Security Check calls with applicants.

- Communicate with Brokers during the application process.

- Manage inbound/outbound calls regarding criteria and cases.

- Work with internal teams on non-standard applications.

- Follow departmental policies and meet QA targets.

- Identify broker trends and training needs with BDMs.

- Enhance broker partnerships and product awareness.

Requirements:

- Strong organizational skills and excellent communication.

- Team player with a proactive, solution-focused approach.

- Experience in the second charge mortgage market preferred; first charge experience or CeMAP qualification is a plus.

People Operations Assistant Vacancy

Interbridge Mortgages are an expert-led start-up Financial Services firm, with the aim to become the UK’s leading specialist Second charge lender of choice for brokers and customers.

At Interbridge we’re a small team with a big heart. If you like to roll up your sleeves and make a difference to where you work, then you’re in the right place. We are looking for colleagues to join us who share our passion for helping brokers and customers, who are dynamic and can be trusted to get the job done.

The Interbridge approach is simple…

• Customer First – finding solutions and satisfying customer needs is our reason for being, we are here to do the right thing for our customers and for each other too
• A passion for exemplary service – Intermediaries and customers sit at the heart of our business and deserve the very best
• Innovation – using technology to simplify and automate applications and fulfilment processes that will help limit our impact upon the planet.
• Trust and belonging – building a business environment where colleagues can be themselves, grow and thrive in an open, inclusive and trusting environment

We are currently recruiting for a People Operations Assistant to join the People team. The People Operations Assistant will work closely with the Head of People, ensuring that Underwriters will be responsible for reviewing and sanctioning second charge mortgage applications, ensuring all lending is in line with the businesses risk appetite as well as regulatory guidelines e.g. Responsible Lending and Consumer Duty.

Key Responsibilities:

• Ensuring a high level of quality is upheld at all times, whilst meeting operational targets
• Reviewing and sanctioning second charge mortgages using a lending mandate
• Produce second charge mortgage offers and associated documentation
• Deal with queries and referrals from the wider business to optimise internal and external customer experience
• Develop a “can do” culture to optimise output, performance and customer outcomes
• Be involved in the development of business processes as the company grows, suggesting improvements to enhance the underwriting function

Skills and Experience:

• Attention to detail
• Negotiation skills
• Complex case experience
• Flexibility
• Team working

Person Specification:

• Previous experience in credit underwriting
• Experience of second charge mortgage lending is desirable but not essential

If our approach resonates with you, and you have previous experience of working in financial services we would like to hear from you.

Please be aware that we work in a hybrid manner, with a minimum of 60% of your time based in the office, however during the initial training period you will be required to have a full office presence to facilitate training and learning.

How to apply:

Please email a copy of your CV, stating salary expectations to Amy Mogford, Head of People at amogford@ib-mortgages.com

Closing Date: 24th November 2023

At present we are only interested in direct applications, and are not working with agencies on this role.

People Operations Assistant Vacancy

Interbridge Mortgages are an expert-led start-up Financial Services firm, with the aim to become the UK’s leading specialist Second charge lender of choice for brokers and customers.

At Interbridge we’re a small team with a big heart. If you like to roll up your sleeves and make a difference to where you work, then you’re in the right place. We are looking for colleagues to join us who share our passion for helping brokers and customers, who are dynamic and can be trusted to get the job done.

The Interbridge approach is simple…

• Customer First – finding solutions and satisfying customer needs is our reason for being, we are here to do the right thing for our customers and for each other too
• A passion for exemplary service – Intermediaries and customers sit at the heart of our business and deserve the very best
• Innovation – using technology to simplify and automate applications and fulfilment processes that will help limit our impact upon the planet.
• Trust and belonging – building a business environment where colleagues can be themselves, grow and thrive in an open, inclusive and trusting environment

We are currently recruiting for a People Operations Assistant to join the People team. The People Operations Assistant will work closely with the Head of People, ensuring that Underwriters will be responsible for reviewing and sanctioning second charge mortgage applications, ensuring all lending is in line with the businesses risk appetite as well as regulatory guidelines e.g. Responsible Lending and Consumer Duty.

Key Responsibilities:

• Ensuring a high level of quality is upheld at all times, whilst meeting operational targets
• Reviewing and sanctioning second charge mortgages using a lending mandate
• Produce second charge mortgage offers and associated documentation
• Deal with queries and referrals from the wider business to optimise internal and external customer experience
• Develop a “can do” culture to optimise output, performance and customer outcomes
• Be involved in the development of business processes as the company grows, suggesting improvements to enhance the underwriting function

Skills and Experience:

• Attention to detail
• Negotiation skills
• Complex case experience
• Flexibility
• Team working

Person Specification:

• Previous experience in credit underwriting
• Experience of second charge mortgage lending is desirable but not essential

If our approach resonates with you, and you have previous experience of working in financial services we would like to hear from you.

Please be aware that we work in a hybrid manner, with a minimum of 60% of your time based in the office, however during the initial training period you will be required to have a full office presence to facilitate training and learning.

How to apply:

Please email a copy of your CV, stating salary expectations to Amy Mogford, Head of People at amogford@ib-mortgages.com

Closing Date: 24th November 2023

At present we are only interested in direct applications, and are not working with agencies on this role.

Job Title: Broker Account Executive

Location: Cardiff (3 days in the office), with full-time office attendance required during initial training.

Salary: £30,000

Vargo is recruiting for a few Broker Account Executives for a growing financial service business in Cardiff. You will review mortgage applications, ensuring all documentation is complete and compliant with standards.

This is an excellent opportunity for someone working in the financial services industry to work for a scaling mortgage specialist. The role will provide training and plenty of career opportunities.

Responsibilities:

- Ensure all documents are complete and accurate.

- Ready loan files for underwriting, ensuring compliance.

- Conduct Security Check calls with applicants.

- Communicate with Brokers during the application process.

- Manage inbound/outbound calls regarding criteria and cases.

- Work with internal teams on non-standard applications.

- Follow departmental policies and meet QA targets.

- Identify broker trends and training needs with BDMs.

- Enhance broker partnerships and product awareness.

Requirements:

- Strong organizational skills and excellent communication.

- Team player with a proactive, solution-focused approach.

- Experience in the second charge mortgage market preferred; first charge experience or CeMAP qualification is a plus.

Job Title: Business Development Manager (Invoice Finance)

Salary: £50,000 - £70,000

Location: Reading

Vargo is recruiting for a boutique Invoice Finance business. Our client is well-established in the UK and has develop an expertise across various industry sectors. With a real ethos to nurture clients and offer a factoring solution where possible, our client is winning significant market share from the traditional banks and factoring providers. If you’re an experienced banker or sales professional with a strong background and broker network in commercial lending, please get in touch.

Responsibilities:

- Cultivate strong client relationships to enhance retention and ensure contract renewals.

- Assist Relationship Executives to optimize funding availability.

- Manage risk and recovery, conducting regular client reviews, visits, and audits.

- Contribute to Monthly Portfolio review meetings and risk discussions.

- Make funding decisions for clients, including setting invoice funding and credit limits.

- Lead onboarding for new clients, liaising with Sales.

- Support new business growth through effective communication and deal structuring.

- Handle customer matters in line with company values.

Requirements:

- Minimum 5 years experience in Invoice Finance or a related field.

- Proficient in analytical and reporting tasks.

- Must hold a valid UK driving license.

- Possession of a relevant ABFA/UK Finance qualification.

Benefits:

- Pension scheme

- 26 days holiday plus bank holidays

- Group bonus scheme

- Private medical insurance

- Healthcare cashback plan

Job Title: Underwriter/Senior Underwriter

Location: Remote in the UK

Salary: Competitive

Vargo is seeking a commercial Underwriter to join a dynamic financial services organization. You will be responsible for evaluating and assessing loan applications to determine their creditworthiness. You will play a crucial role in managing risk and ensuring compliance with lending policies and regulations.

Key Responsibilities:

- Assess loan applications to determine creditworthiness and risk levels.

- Analyze financial data, credit reports, and other relevant information to make informed underwriting decisions.

- Evaluate borrower profiles, collateral, and repayment capacity to mitigate risk and ensure loan quality.

- Collaborate with internal stakeholders, including loan officers and credit analysts, to gather necessary information and documentation for underwriting.

- Ensure compliance with lending policies, procedures, and regulatory requirements.

- Communicate underwriting decisions effectively to internal teams and external stakeholders.

- Provide guidance and support to junior underwriters as needed.

Requirements:

- Bachelor's degree in Finance, Business Administration, or a related field.

- Proven experience in underwriting within the financial services industry.

- Strong analytical and decision-making skills.

- Knowledge of lending policies, procedures, and regulatory requirements.

- Excellent communication and interpersonal skills.

- Ability to work independently and remotely with minimal supervision.

Benefits:

- Competitive salary commensurate with experience.

- Opportunities for professional development and career advancement.

- Supportive and collaborative team environment.

- Remote work arrangement providing flexibility and work-life balance.