About Y TREE

We are a rapidly growing WealthTech business that is re-defining how individuals and families connect and engage with their money. We provide our clients with control over their personal finances, enhancing their ability to achieve their financial and life aspirations.

At the heart of this mission is Financial Modelling, the conceptual engine behind our proprietary models and analytical frameworks. This 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.

Role Overview

The Asset & Liability Model Development Lead is responsible for the technical development, feature refinement, and structural precision of Y TREE’s core financial life projection engine. To achieve this, they will focus on designing advanced financial logic, executing software engineering frameworks, and translating frontline business needs into model capabilities.

Their focus is on translating intricate wealth planning architecture into codebase specifications, maintaining a structured asset liability modelling (ALM) release pipeline, and managing functional requirements directly with client-facing teams.

They will work collaboratively with the Client, Product, and core Development teams to ensure the evolution of our proprietary engines is directly aligned with real-world client modelling demands and systemic platform enhancements

The Role

Strategic Financial Modelling:

• Lead the design, development, and integration of sophisticated financial models into Y TREE's digital advice platform and product experiences.

• Translate complex financial concepts into intuitive and actionable models that can be easily consumed by both clients and internal teams.

• Ensure models are robust, scalable, and adaptable to evolving market conditions and client needs, particularly for UHNW complexities.

Execution & Operations

• Enhance the architecture of Y TREE's calculation engine, establishing robust validation frameworks to systematically resolve model anomalies and safeguard data integrity

• Partner with development teams to manage the ALM release pipeline, ensuring model parameters are reliably deployed and aligned with market updates.

Cross-Functional Integration & Empowerment:

• Support translation of Client Team feature requests and advice requirements into precise, buildable engine specifications.

• Collaborate closely with the Product team to embed financial models into new features and ensure efficient development of our calculation engines.

• Provide technical guidance on asset liability modelling behaviour or and assumptions to empower internal stakeholders across the business.

Research & Development:

• Stay abreast of industry best practices, academic research, and emerging technologies in financial modelling, AI/ML applications in finance, and behavioural economics to continually enhance Y TREE's capabilities.

• Identify opportunities for innovation and competitive differentiation through advanced financial intelligence.

About You

• Experience: Up to 4 years of experience in the financial industry, ideally within a risk management or financial modelling capacity.

• Qualifications: Degree in finance, economics, or a related discipline; a Master’s degree and/or CFA qualification (or progression toward) is a plus but not required.

• Technical Skills: Proficiency in coding language (Python in particular). Strong proficiency in Microsoft Office Excel for portfolio analytics and data manipulation.

• Client Experience: Experience in client-facing interactions is useful but not required. Understanding of financial planning analysis with sophisticated clients is a must.

• Analytical & Communication Skills: Strong analytical mindset. Understanding of investment risk management, portfolio construction and asset & liability framework is key.

• Mindset & Values: Curious, detail-oriented, collaborative, and aligned with Y TREE’s philosophy of intelligent, data-driven, and purpose-led investing.

What's in it for you?

• Once eligible, you'll be able to enroll onto our private healthcare plan through Vitality. This includes perks like 50% off premium gym memberships and access to their exclusive rewards programme.

• Support for your mental health and wellbeing through our employee assistance programme.

• 25 days of annual leave per year. This is 25 days each year where we expect you to turn your phone off and switch off; we would never ask you to book leave for a doctor's appointment or to see your children's school plays.

• Regular team socials to help you switch off from work and get to know your colleagues in an environment away from your desk. We ensure socials are well-balanced and offer a variety of activities to suit different needs so you always feel welcome.

• A welcoming, dog-friendly London office with appropriate spaces to cater for those with varying needs in the form of various breakout spaces and silent booths.

• A 3% employer pension contribution as standard, with generous additional employer contributions if you choose to make your pension contributions via salary sacrifice

• As well as, a range of family-friendly policies, support towards professional qualifications, electric car schemes and more!

Our mission at Y TREE is to build diversity in our teams; diversity of thought, culture, backgrounds and perspectives. Please come as you are and let us know if there are any reasonable adjustments we can make to support you in your application process. 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. Please note, that sponsorship is not available for this role.