Job Description
Heirloom Fair Legal is the leading provider of funding and finance solutions to UK regulated professional services (legal, insolvencies, etc.) firms. This is specialty private credit provision.
We manage a growing portfolio of loans and receivables across a number of funding vehicles.
We are seeking a highly capable and detail-oriented Portfolio Operations & Analytics Manager to take ownership of the operational finance function of the business. This includes operational controls, reconciliations, present-valuation, financial reporting and cash flow management and projections.
This is a hands-on role suited to someone who combines strong data analysis capability, operational finance discipline, reconciliation expertise and who exhibits commercial sense and strong pro-activity.
This role blends accounting, modelling, operations, reporting, data analysis and process automation.
This role is based in our Central London (Temple) office, though we would consider a remote position for an exceptional candidate.
Responsibilities
Portfolio & Loan Operations
* Maintain and oversee operational records relating to loans, collateral, repayments, and portfolio performance.
* Reconcile loan balances, repayments, collateral schedules, and cash movements.
* Investigate and resolve reconciliation discrepancies and data exceptions.
* Ensure integrity and consistency of portfolio data across systems and reports.
Fair Value / Portfolio Valuation
* Calculate monthly fair values for loans using primarily discounted cash flow methodologies.
* Prepare and maintain valuation models and supporting assumptions.
* Analyse portfolio performance, expected recoveries, payment behaviour, and projected cash flows.
* Support audit and investor queries relating to valuations and portfolio reporting.
Financial Reporting and Management Accounts
* Work with the accounting team to prepare monthly management accounts and supporting schedules.
* Produce monthly operational and financial reporting packs.
* Assist with accruals, reconciliations, and accounting support processes.
* Work closely with auditors where required.
Cash Flow and forecasting
* Develop and maintain portfolio-level cash flow forecasting models.
* Monitor actual vs projected collections and portfolio performance.
* Lead liquidity planning and financial forecasting.
Process Improvement & Automation
* Improve existing Excel-based operational and reporting processes.
* Build scalable and auditable spreadsheet models and workflows.
* Assist in transitioning operational processes into automated systems using workflow tools, databases, and Python-based infrastructure.
* Help define operational data structures and reporting requirements for future systems development.
Qualifications
Essential
* Highly organised, operationally-driven, analytical and process driven.
* Advanced spreadsheet modelling skills, including Power Query, complex financial formulas, reconciliation modelling, large dataset handling, dynamic reporting and financial modelling.
* Strong operational and reconciliation mindset with exceptional attention to detail.
* Experience handling complex financial or transactional datasets.
* Strong analytical and problem-solving capability.
* Ability to work independently and take ownership of processes.
* Clear and structured communication skills.
Desirable
* Experience with lending operations, private credit funds, structured finance, specialty finance, portfolio analytics, receivables finance, loan servicing, fund operations and/or investment reporting.
* Accounting or management accounts experience.
* Power BI, SQL, Python, or database exposure.
* Experience improving or automating operational finance processes.