Financial Modelling Engineer

Who you are

• Experience: Typically 2–4 years experience in Quantitative WealthTech, Financial Modelling, ALM Development, or Risk Analytics (focused on personal balance sheets rather than pure institutional portfolio management)
• Qualifications: Degree in finance, economics, mathematics, or a related discipline; a Master’s degree
• Technical Skills: Hands-on experience writing clean, production-grade Python scripts, modular structures, and automated tests. Crucially, you must deeply understand the underlying financial planning and general investment inputs and outputs of your models (e.g., compounding mechanics, cash flows, tax wrapper impact) - we are looking for someone who understands what the code is doing mathematically
• Analytical & Communication Skills: Strong analytical mindset, with the ability to translate intricate code logic and mathematical outputs into clear narratives for advisers and clients
• Mindset & Values: Curious, detail-oriented, collaborative, and aligned with Y TREE’s philosophy of intelligent, data-driven, and purpose-led investing
• Additionally, if you don't feel you meet 100% of the requirements please apply anyway if you feel you can demonstrate your suitability to the role

What the job involves

• The Financial Modelling Team brings intellectual rigour to our service, focusing on what truly matters in our clients’ financial lives
• We distill complex financial realities into user-friendly, actionable, and personalised insights powered by data
• Every model and tool we build is designed to be robust, scalable, and purposeful, providing the unifying logic that powers the entire client lifecycle
• The Financial Modelling Engineer is responsible for the technical execution and maintenance of Y TREE’s Asset Liability Management (ALM) driven financial planning engines
• Reporting to the Head of Financial Modelling , you will support the development and migration of legacy Excel models to a robust, production-grade coded system environment
• You are not just running financial analyses like traditional institutions - this is a unique opportunity to write the codebase, test suites, and unifying logic that power Y TREE’s Asset Liability Management engine for high-net-worth clients
• Execute Client Analysis: Run complex Financial Planning Analysis and ALM projections for client portfolios. Translate specific client scenarios (e.g., liquidity events, estate planning, gifting) into model inputs and generate accurate outputs for the Advice team
• Model Development & Migration: Support the transition of the core ALM and Financial Planning Life Analysis models from legacy Excel spreadsheets to a robust, code-based environment (Python/Proprietary Stack)
• Operational Efficiency: Work to reduce the time-cost of manual analysis. Take ownership of the recurring ancillary analysis & tools, ensuring delivery within agreed SLAs
• Data Prep & Validation: Act as the gatekeeper for data entering the financial models. Clean, format, and validate client financial data to ensure the advice we give is based on accurate inputs
• Coding & Scripting: Write clean, efficient Python scripts to automate repetitive modelling tasks (e.g., cash flow projections, tax wrappers)
• Testing: Build and run unit tests for new model features. Compare "Excel vs. Code" outputs to ensure zero discrepancies during the migration process
• Documentation & QA: Maintain comprehensive technical documentation for all financial models. Ensure that every assumption, tax rule, and growth factor used in the ALM is recorded and accessible to reduce key-person risk. Perform rigorous quality assurance on model outputs before they reach the Client Team. Investigate and resolve calculation discrepancies immediately
• Advisory Support: Serve as the technical helpdesk for the Client/Advice teams regarding model outputs. Explain why the model produced a specific number and help troubleshoot "unusual" results
• Product Implementation: Support the integration of financial models into the Y TREE digital platform by providing test cases and validating the data shown in the UI