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Head of Insurance FinanceZego · Gibraltar office
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Zego

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Head of Insurance Finance

🗓️ Posted 2026-09-18 Gibraltar office Fulltime Hybrid Insurance Superannuation
💰 Salary Not shared 📊 Market 7,000 GBP–10,000 GBP/mo

About the Company

At Zego, we're on a mission to do the good thing, not the insurance thing. Insurance hasn't changed much in over a century. The way we live, work and travel has. We're building the real-time, AI-driven infrastructure that powers innovative insurance, so good drivers get cover that works the way they actually drive. We're not just updating insurance; We're leading the AI evolution in insurance. For us, AI isn't a line on a roadmap or a buzzword on a slide. It's our operating reality, and it's how we build products that back drivers instead of the old insurance playbook. We don't do things slowly, and we don't do bureaucracy. We back high-performance builders who want ownership, early responsibility and the chance to do the most career-defining work of their lives.

About the Role

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.

Responsibilities

  • ● 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 tailored to an insurance carrier, delivered to agreed Group and Board reporting deadlines.
  • ● Prepare and submit annual statutory accounts under UK GAAP 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 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 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.
  • ● 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.

Requirements

  • ● Deep, specialised expertise in insurance carrier accounting and technical reserves