Bikmo Limited

Commitment: Full or part-time Salary: Competitive Location: UK or Europe (remote-first, UK-centric) Reports to: CEO Works closely with: Head of Finance, Executive Team, Board The Role - Why This Exists Bikmo is entering a pivotal phase as we transition from a growth-focused insurtech to a profitable, pan-European MGA, while continuing to scale responsibly and position the business for long-term value creation. We are seeking an experienced Finance Director to provide strategic financial leadership at exec and board level, own and control the group financial business plan and long-term financial model, support investor and lender relationships, mentor the Head of Finance, and help shape the financial strategy of the business as we move toward profitability, selective M&A, and a potential trade exit in the coming years. This is a strategic leadership role, not a day-to-day finance position. Operational finance, cash management, and routine reporting sit with the existing finance team. The role may be delivered on a full-time or part-time basis, depending on candidate experience and availability. Core Responsibilities 1. Executive Financial Leadership & Accountability Act as the senior financial leader within the Executive Team Provide clear, confident financial input into strategic and operational decisions Drive financial discipline, cost management, and performance focus across the business Hold exec peers accountable to agreed budgets, forecasts, and financial commitments Support the CEO in balancing growth, profitability, and capital efficiency 2. Budgeting, Forecasting & Strategic Planning Lead the annual budgeting process and quarterly reforecasting, aligning financial resources to strategic priorities Own and control the group financial model as the authoritative view of Bikmo's long-term financial position Lead long-term forecasting, scenario planning, and sensitivity/downside modelling to support: Board decision-making Investment and growth planning Fundraising and capital strategy M&A and strategic options Ensure financial plans clearly articulate trade-offs, risks, and returns Day-to-day cashflow forecasting, short-term runway management, and operational reporting are owned by the Head of Finance and the finance team. 3. Commercial & Strategic Partnership Support Partner with the CEO, Partnerships, and Operations teams on: Pricing strategy Product evaluation Channel and partnership economics Geographic expansion decisions Support commercial negotiations on major partner contracts, ensuring pricing, service levels, risk allocation, and cash terms are financially robust and scalable Bring financial rigour to embedded insurance partnerships and international growth initiatives 4. Cash, Funding & Capital Structure (Strategic Oversight) Provide senior oversight of liquidity, capital structure, and funding options Lead the structuring, negotiation, and setup of financing solutions where required (e.g. working capital facilities, overdrafts, debt instruments) Act as the senior point of contact with banks, lenders, and financial advisors Support and guide the Head of Finance, who leads ongoing day-to-day cash and facility management 5. Board, Investor & Governance Responsibilities Act as a trusted finance partner to the Board and existing investors Prepare, review, and present financial materials for board meetings Support fundraising strategy, investor narrative, and financial diligence Help articulate a clear, credible financial narrative for the Board and investors, covering performance, outlook, capital efficiency, risks, and strategic options Operate effectively within a PE / VC-backed governance environment, including pace, reporting expectations, and stakeholder management 6. Regulatory, Insurance & Risk Awareness Maintain a strong working understanding of insurance-specific financial flows, even if not managing them day-to-day Appreciate FCA regulatory reporting requirements, including: Regulatory capital considerations Financial aspects of operational resilience Ensure financial governance supports Bikmo's regulated operating environment 7. Tax, Transfer Pricing & Multi-Country Oversight Provide senior oversight of Bikmo's tax strategy, ensuring it is commercially optimised and fully compliant across jurisdictions Cover key areas including: Corporation tax optimisation Transfer pricing VAT and partial VAT exemption Work with specialist external advisors where required and ensure advice is implemented consistently and pragmatically across the business Apply sound judgement on when to seek expert input versus where in-house governance is sufficient 8. M&A, Strategic Options & Exit Readiness Support the evaluation of potential acquisitions or mergers as Bikmo strengthens EBITDA performance Provide financial input into: Target assessment and modelling Synergy and integration economics Deal structuring and capital impact Help ensure the business is exit-ready over the medium term, including: Clean, credible financials Robust models and reporting Clear equity and capital structures Support long-term planning toward a potential trade sale or strategic exit around 2030 What We're Looking For Experience & Background Senior finance leader (Finance Director / CFO / Head of Finance) in growth-stage businesses Insurance or regulated financial services experience is desirable Experience operating in PE or VC-backed environments Strong experience with: Board-level financial leadership Strategic financial modelling and scenario planning Fundraising and/or debt financing Multi-entity and multi-country operations Experience with European businesses strongly preferred Exposure to tax optimisation, transfer pricing, and VAT considerations is desirable German language is desirable but not required Qualifications Fully qualified accountant (ACA, ACCA, CIMA or equivalent) Experience leading finance in a regulated or insurance-related environment is desirable Insurance-specific qualifications (e.g. CII) are helpful but not essential Style & Approach Strategic, commercial, and measured Comfortable owning financial direction without owning day-to-day execution Confident mentor and sounding board for senior finance leaders Pragmatic, outcome-focused, and able to influence at exec and board level This Role Is / Is Not This role is: A senior, strategic finance leadership role at exec and board level Owner of the long-term financial plan and strategic options A mentor and escalation point for the Head of Finance A key contributor to profitability, capital strategy, and exit readiness This role is not: A day-to-day operational finance role Responsible for transactional accounting, cash processing, or routine reporting A purely corporate or PLC-style finance role Equality Don't feel like you're matching 100% of the criteria? We welcome applicants who can meet the core requirements, even if you don't think you tick all of the boxes. We actively encourage applications from diverse backgrounds and under-represented groups within the cycling and insurance industry. Bikmo is an equal opportunities employer, this means we recruit, develop and compensate regardless of differences. We value diversity. Everybody is unique and this should be celebrated. We want Bikmo to be a place where people feel comfortable bringing their whole selves to work. Application Process To continue the conversation just click the, Find out more, button and attach a short cover letter + your CV. We love to hear how your own values and experiences align with the role. We are looking to hire for this role as soon as possible, so interviews will be on a rolling basis. If you require any reasonable adjustments to be made to support you through our recruitment process please get in touch. Your right to work legally and compliantly in any country depends on your Immigration status. Therefore a condition of this recruitment process is that you can prove your 'right to work' with the recognised documentation to Bikmo Ltd/GmbH, in the relevant country this role is based. Remember By applying for this role you are giving Bikmo consent to use the information you provide to process your job application in accordance with GDPR/DSVGO regulations.