Head of Capital and Liquidity Planning (Fintech)

Location: London, United Kingdom; office environment in Central London.

Company

hirify.global is building a financial platform for local businesses across Europe, providing simple financial tools, thoughtful design and human support.

What you will do

• Own and continuously improve the first-line prudential framework covering capital, liquidity, risk appetite, stress testing and contingency planning.
• Lead or coordinate the ICAAP, ILAAP, Recovery and Resolution Plan and Solvent Wind Down Plan.
• Own capital and liquidity regulatory and internal EWI/KRI calculations in forecasting models and act as the liaison between Treasury and FP&A.
• Run prudential plans through governance committees and coordinate with Risk, Finance, Product, Commercial, Treasury and Compliance.
• Provide analysis and recommendations to the CFO, senior leadership and governance forums.
• Monitor capital and liquidity positions, headroom, triggers, concentrations, funding needs and stress outcomes, including for new products and growth initiatives.

Requirements

• 10–15 years of total experience in prudential risk, capital, liquidity, regulatory reporting, Treasury, Finance or a closely related discipline within a regulated financial services environment.
• 6–8 years of experience contributing to and leading or coordinating one or ideally more of bank ICAAP, ILAAP, Recovery and Resolution Plans and Solvent Wind Down Plans.
• Expert-level understanding of current and evolving UK regulatory expectations for capital and liquidity adequacy assessment processes; EU jurisdiction knowledge is preferred.
• Commercial sensitivity and judgement to optimise risk-adjusted returns on capital and liquidity while staying within or influencing risk appetite and control design.
• Strong practical knowledge of capital and liquidity adequacy, stress testing, recovery and resolution planning, solvent wind-down planning and contingency actions.
• Strong analytical skills and judgement to identify what matters and communicate it clearly to senior stakeholders.
• A control-minded approach focused on data quality, evidence, governance and follow-through.
• Confidence to challenge constructively, influence senior stakeholders and work effectively across functions.
• Ability to work in a dynamic, technology-driven organisation with multiple product lines, jurisdictions and evolving governance structures.
• Excellent written and verbal communication skills.

Nice to have

• Experience working through periods of major change or bank builds.
• Experience in payments, e-money, banking, lending or another technology-enabled regulated financial services business.
• Experience working with UK and/or European prudential regulators and regulatory submissions.
• Experience building or enhancing prudential frameworks during significant organisational or regulatory change.

Culture & Benefits

• Flexible working hours agreed with the team.
• Health and mental health support through WellHub, including gym access, therapy, meditation and fitness and nutrition apps.
• Extended and improved maternity and paternity leave options.
• Health and life insurance, pension scheme, Cycle-to-Work Scheme and 25 days of annual leave plus bank holidays.
• Friendly, comfortable and informal Central London office environment with daily snacks.
• Collaborative international environment with ownership and visible impact on business resilience and local businesses.