Head of Finance - 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 corpora