Head of Finance - Gibraltar at Zego in Gibraltar, Gibraltar, Gibraltar

About Zego

Insurance hasn’t changed much in over a century. The way we live, work and travel has.

Good drivers are the entire point of Zego. Seven in 10 drivers on the road are consistently good, but until telematics came along there was no way to prove it, so nearly everyone paid a price based on averages. Zego is the company built to change that.

At Zego, we’re leading the AI evolution in insurance.

We move fast, without the layers that usually slow things down. 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.

This is a hands-on “player-coach” role. 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. As a GFSC-regulated person, you carry personal regulatory responsibility for the accuracy and timeliness of ZIL's financial reporting.

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.
• Prepare and submit annual statutory accounts under UK GAAP (FRS 102) and the applicable Gibraltar Companies Act requirements, and support regulatory returns to the GFSC.
• 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.

Actuarial partnership and capital management

• 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.
• Support Solvency II reporting as applied in Gibraltar, including inputs to QRTs, the SFCR and the ORSA, and help monitor capital adequacy so the business maintains appropriate buffers.
• 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.
• Act as the primary point of contact for external auditors and the GFSC. 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.

Lean team leadership and operations

• 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.

What you will need to be successful

• A fully qualified accountant (ACA, ACCA, CIMA or equivalent).
• A proven track record in insurance carrier (balance sheet) accounting. You understand the mechanics of insurance financials; broker or agency-only experience is not sufficient.
• Demonstrated experience working closely with actuaries, and a strong conceptual grasp of reserving, pricing and capital modelling.
• Familiarity with Solvency II reporting (QRT, SFCR, ORSA) and statutory accounts preparation; Gibraltar or comparable small-jurisdiction regulatory experience is an advantage.
• 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.
• Willingness and ability to hold a GFSC-approved regulated-person position for ZIL.
• You work AI-first. You will use AI daily here, and we mean daily. You do not need to arrive an expert, but you do need to arrive curious, experiment fast, and take ownership of getting good quickly. People who wait to be trained will find this uncomfortable.

Bonus points for

• Big 4 audit experience with an insurance client portfolio.
• Hands-on experience with NetSuite in an insurance or MGA setting.

What it’s like to work at Zego

At Zego, we operate like a high-performing sports team. We come together as one, driven by ambition, backed by real support, and united by a shared mission to win.

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. It also means holding ourselves to high standards: moving with urgency, taking complete ownership, and embracing honest feedback that helps us continuously learn and evolve.

This is your opportunity for a career-defining experience, and one you will own.

Do not take our word for it. Read what Zegons say about us on Glassdoor.

The Zego ways of working

Teams work better with time to collaborate and space to get things done. We call it Zego Hybrid: some of us are in our central London office weekly, others monthly or quarterly. It is about finding the balance between face time and focus that produces great work and a healthy life around it.

We also make a point of getting everyone in the same room. 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. Here is what the last one looked like.

Benefits

• Market-competitive salary, benchmarked against your function and reviewed every year
• Annual performance bonus, linked to company performance and your contribution
• Share options, a real stake in the company and a share in the future you build
• 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
• Cutting-edge systems and tools, so you always have what you need to drive your impact

If you’re ready to help build the real-time, data-driven infrastructure for an intelligent world, we want to hear from you. Zego, leading the AI evolution in insurance.

There’s more to Zego than just a job. Check out our blog for insights, stories and more. We were also named Best Insurance Company 2025.

Note: The primary location for this role would be either in Gibraltar or nearby in Spain. However, occasional travel to the London office may be required. To be considered for this role, you must be located in / OR willing to relocate to Gibraltar or nearby Spain

We’re an equal opportunity employer and we value diversity at our company. We do not discriminate on the basis of race, religion, national origin, gender, sexual orientation, age, marital status, or disability status

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