Insurance hasn't changed much in over a century. Zego is the company built to change that.
About Zego Insurance hasn't changed much in over a century. Zego is the company built to change that.
At Zego, we're leading the AI evolution in insurance. AI takes the routine work off every team, from Finance to Product to Marketing, so people ship real code and launch custom dashboards in minutes. Engineering commits are entirely AI-assisted, which shifts the focus from team size to the quality of your thinking, and our data warehouse connects directly to an AI assistant for instant answers. Backed by a modern tech stack (Claude Code, Snowflake, Figma and Zapier) and a commitment to adopting new tools in days rather than quarters, you get complete ownership to do the most impactful work of your career.
Purpose of the role Zego Insurance Limited (ZIL) is the Group's regulated insurance carrier, based in Gibraltar and supervised by the Gibraltar Financial Services Commission (GFSC). As Head of Finance, you are the ultimate owner of ZIL's financial health, accuracy and operational integrity. Because ZIL underwrites risk on its own balance sheet, the role demands deep, specialised expertise in insurance carrier accounting and technical reserves, not broker or agency finance.
You'll run a lean finance function with one direct report while working in lockstep with the Actuarial team and Group Finance. You'll own the end-to-end financial accounting cycle, ensure strict adherence to Gibraltar and insurance regulatory standards, and design and enforce robust financial controls. What you will be doing Insurance balance sheet and financial accounting
Own the general ledger and the insurance balance sheet in NetSuite, ensuring accurate accounting for premiums, claims, commissions, reinsurance recoveries and profit‑share arrangements
Lead and execute the month‑end and year‑end close, producing management accounts (P&L;,



balance sheet and cash flow) tailored to an insurance carrier, delivered to agreed Group and Board reporting deadlines
Ensure all balance sheet accounts, bank and fiduciary accounts, and intercompany balances (including MGA/ZIL positions) are rigorously reconciled every month, with the ledger reconciled to actuarial reserves before submission
Act as the bridge between Finance and Actuarial: understand, validate and integrate technical reserve calculations (IBNR, UPR, URR and similar) into the ledgers, and reconcile management accounts to reserving figures
Partner with actuarial, underwriting and pricing teams to analyse loss ratios, combined ratios and profitability by product line, translating technical data into commercial insight for the Board
Financial controls, audit and risk
Design, implement and enforce robust financial controls and SOPs, particularly around payment approvals, counterparty exposure and credit terms, to prevent fraud and eliminate reconciliation discrepancies
Manage the annual audit end to end, from planning through to sign‑off, closing findings and embedding fixes so issues do not recur
Ensure timely, accurate filing of corporate taxes and other regulatory financial submissions, working with Group tax where relevant
Directly manage, mentor and develop one finance team member, staying in the detail of the ledger while owning the wider finance agenda
Oversee daily cash flow and liquidity, produce rolling cash flow forecasts,



and support investment income accounting to ensure claims‑paying ability and operational funding
Own the ZIL finance system stack (NetSuite), ensuring it integrates cleanly with policy administration and actuarial data to maintain absolute data integrity
A fully qualified accountant (ACA, ACCA, CIMA or equivalent)
A proven track record in insurance carrier (balance sheet) accounting. Demonstrable experience building, testing and enforcing internal financial controls
Experience managing and developing direct reports in a lean environment, and managing external audits end to end
The resilience to thrive in a fast‑paced, evolving environment: you stay calm and effective when priorities shift, without ever letting quality or accuracy slip
Big 4 audit experience with an insurance client portfolio
Working here means having the backing, the coaching, and an inclusive community of Zegons across the UK and Europe who celebrate your wins and raise your game. We call it Zego Hybrid: some of us are in our central London office weekly, others monthly or quarterly. Teams come together every quarter, and once a year the whole company does, properly. It is a serious investment and consistently one of the best parts of the year. Annual performance bonus, linked to company performance and your contribution
Private medical insurance, for you and your family
Pension, generous holiday, and £1,000 a year to spend on getting to the office or learning something new
If you're ready to help build the real‑time, data‑driven infrastructure for an intelligent world, we want to hear from you. Check out our blog for insights, stories and more. We were also named Best Insurance Company 2025.
However, occasional travel to the London office may be required. We're an equal opportunity employer and we value diversity at our company.

📌 Finance Director (Remote) (España)
🏢 Zego
📍 España