Sunil P.

Finance Director | Strategic Finance Leadership | Board Advisor

Sunil Dinesh Patel ACA is a seasoned finance professional with extensive experience in structuring complex transactions and building robust finance functions. With a proven track record at leading institutions like JP Morgan, UBS, Brit Insurance, and Lloyds Banking Group, Sunil excels in delivering strategic financial solutions and driving transformation. Key achievements include structuring $800m in capital reductions and a $500m bond financing at Brit Insurance, and leading a $60bn regulatory exposure reduction at JP Morgan. Sunil is adept at navigating regulatory frameworks such as COREP, FINREP, and Solvency II, ensuring compliance and strategic alignment. Passionate about the intersection of strategy and execution, Sunil is open to CFO and Finance Director roles where his expertise can drive impactful financial leadership and innovation.

Hire Sunil

Banking FinTech HR & Business Services Chief Financial Officer Large Enterprise Advisor Director of Treasury

Fractional CFO rates

Experience

Feb 2025 — Present

Brit Insurance

Group Financial Controller - Capital and Treasury

Brit Insurance | $10bn Assets | $3bn Revenue
A senior finance leader driving capital strategy, treasury management, and balance sheet resilience at a leading specialist insurance group — trusted partner to Board and Executive leadership on the most complex financial and regulatory decisions.
What I Delivered:
$500m structured financing transaction — Architected a landmark bond deal involving preference shares and share conversions, delivering long-term strategic flexibility and shareholder value.
$800m capital restructuring — Conceived and executed two board-approved capital reduction transactions totalling $800m, navigating complex multi-entity legal and accounting requirements across subsidiaries, mid HoldCo, HoldCo, and parent — preserving group capital efficiency while maintaining full regulatory compliance.
$236m dividend distribution — Structured and executed a strategic shareholder dividend across group companies, coordinating legal, accounting, and governance requirements across the full corporate structure.
Capital forecasting transformation — Enhanced the Group Capital Forecasting Model, delivering reliable projections across all major underwriting entities and elevating Capital Executive Committee decision-making.
Board-level strategic advisor — Produced Board and Executive reporting on liquidity, capital adequacy (BCAR/BSAR), and dividend strategy — translating complexity into clear strategic direction.
Treasury optimisation — Redesigned cashflow forecasting and treasury cost planning across group entities, delivering measurable efficiency and accuracy gains.
Talent development — Mentored junior analysts, embedding Solvency II, capital, and accounting expertise across the team.
A group capital & treasury-focused finance leader combining regulatory depth, commercial sharpness, and executive presence to drive resilience and growth in complex insurance environments.

Jan 2024 — Nov 2024

Shift4

Finance Director - Shift4 UK

(SME Start up, Revenue £0.7m, Assets £7m.)
Parachuted in as the founding finance leader for Shift4’s UK market entry — building the entire finance function from zero and acting as a strategic partner to the Board during a critical international expansion phase.
What I Delivered:
Built the finance function from scratch — Designed and implemented end-to-end financial controls, reconciliations, management accounting, tax compliance, and regulatory reporting for a regulated FinTech entering the UK market.
Board-level strategic partner — Authored the business plan securing board approval for long-term growth, covering capital requirements, liquidity projections, and payment processing performance targets.
Regulatory excellence — Established robust FCA compliance frameworks and delivered accurate, timely regulatory and statistical reporting — navigating the complexity of a newly regulated UK entity with zero legacy infrastructure.
Investor-grade financial reporting — Produced monthly management accounts with KPI reporting, quarterly board packs, and FRS102-compliant annual financial statements, coordinating the first statutory audit through to board sign-off.
Treasury & cashflow discipline — Developed 6-month rolling cashflow forecasts supporting group reporting requirements and safeguarding optimisation for the SME.
Tax infrastructure — Built UK tax compliance processes across VAT, corporation tax, and payroll from the ground up, ensuring full adherence from day one.
Team leadership — Recruited, led, and developed a team of six, embedding a high-performance finance culture in a fast-moving start-up environment.
Demonstrated ability to scale finance operations from inception — combining entrepreneurial agility with the governance, regulatory, and strategic rigour demanded at CFO level.

Jan 2023 — Jan 2024

Lloyds Banking Group

Senior Finance Controller – Group Corporate Treasury

Major UK PLC Bank
£880bn Assets | £35bn Revenue.
Operating at the heart of a Tier 1 banking institution, delivering high-stakes financial decision support and leading complex regulatory-driven transformation projects across Global Capital Treasury.
What I Delivered:
Trusted finance advisor — Provided expert decision support to GCT Finance managers across hedge accounting, fee postings, valuation and risk comparisons, and SQL-driven financial analysis in a high-volume, high-complexity environment.
Led USD LIBOR cessation programme — Appointed BA lead on the USD Fallback project, defining the full project plan and test approach, executing UAT within budget and on schedule — a critical regulatory milestone for the bank’s derivatives portfolio.
Executive-level governance — Designed and presented Steering Committee reporting including project risk summaries, Gantt charts, and RAID logs, providing C-suite stakeholders with the clarity needed for confident decision-making.
Monthly strategic reporting — Delivered structured project updates to the Steering Committee, translating complex programme status into concise, actionable insight for senior leadership.
Demonstrated ability to operate across finance and transformation in one of the world’s largest financial institutions — combining technical rigour with the executive communication and project leadership expected at CFO level.

Dec 2020 — Dec 2022

JPMorganChase

Senior Finance Controller

JP Morgan PLC Investment Bank| £920bn Assets | £20bn Revenue
Delivering regulatory transformation and finance leadership at one of the world’s most complex investment banks — driving COREP compliance, process automation, and executive-level insight across a highly regulated environment.
What I Delivered:
£60bn exposure reduction — Designed and launched an Alteryx-automated solution for the CRR2 unsettled trades exemption under leverage ratio, directly reducing JPM UK’s regulatory exposures by £60bn.
Regulatory transformation lead — Drove end-to-end CRR2/CRD5 implementation across Own Funds, Large Exposures, Leverage Ratio, Asset Encumbrance, FINREP, and FRTB — from policy interpretation through to live regulatory submission.
Policy & technical authority — Documented regulatory accounting treatment for CRR2 Leverage Ratio and Large Exposures, providing formal feedback to Finance Directors and Accounting Policy.
Automation & efficiency — Engineered new CDS notional solutions using Alteryx and Excel, materially improving reporting quality and control across Leverage reporting.
Executive reporting — Modelled CRR2 exemption scenarios, delivering projections and forecasts that informed senior management decision-making on regulatory capital strategy.
Capability building — Produced training documentation and videos, upskilling Business Controllers across all new regulatory processes and embedding sustainable operational change.
A finance leader who combines deep regulatory expertise with automation capability and strategic influence — delivering measurable impact at the highest levels of global banking.

Jan 2017 — Aug 2020

UBS

Finance controller - Senior Regulatory Controller / Projects SME

UBS PLC| £45bn Assets | £1bn Revenue
A senior finance leader delivering financial control, regulatory excellence, and strategic transformation across a complex, regulated investment banking entity — operating at the intersection of financial reporting, consolidations, and executive governance.
What I Delivered:
day month-end close reduction — Redesigned and automated close processes, materially improving speed, accuracy, and finance function efficiency.
€50bn balance sheet ownership — Led financial reporting and control for a regulated PRA entity, delivering accurate, timely submissions and maintaining full regulatory compliance across FINREP, ANACREDIT, and ECB frameworks.
Regulatory transformation — Authored accounting policy papers on FINREP requirements, advising management and regulatory policy — bridging technical compliance with strategic finance leadership.
Post-Brexit reporting migration — Managed transition from FINREP to Abacus 360 post-Brexit, ensuring uninterrupted regulatory reporting to the PRA and ECB.
European carve-out — Reviewed and supported the complex separation of the European business from the London branch to UBS Europe SE, demonstrating M&A and restructuring capability.
Liquidity oversight — Quarterly validated liquidity reserves and liquid asset portfolio composition, providing senior management with confidence in balance sheet resilience.
Systems leadership — Steered Axiom and Abacus A360 implementations to Steering Committee sign-off, partnering with IT, vendors, and development teams to deliver on time.
Team leadership — Managed and developed a team of four, embedding regulatory and financial reporting expertise across the function.
A technically rigorous and commercially aware finance leader — delivering consolidated reporting, regulatory compliance, and operational transformation at scale.

Nov 2016 — Dec 2016

INTL FCStone

Statutory Financial Statement Accountant

INTL FCStone | $1.9bn Assets | £285m Revenue
Delivered a full cycle statutory reporting and audit process within a short tenure at a regulated FX and brokerage group — demonstrating the technical depth, stakeholder management, and delivery focus expected at CFO level.
What I Delivered:
Full statutory accounts ownership — Prepared end-to-end year-end financial statements under UK GAAP (FRS101/FRS102), aligned to IFRS disclosures, including Balance Sheet, Income Statement, Cash Flow Statement, and Statement of Changes in Equity.
Complex financial disclosures — Authored key accounting policy notes covering offsetting of financial instruments, fair value hierarchy, financial instrument classification, provisions, finance and operating leases, and contingent liabilities.
Going concern & post-balance sheet assessment — Completed a rigorous going concern review and post-balance sheet events assessment, providing Board-level assurance on financial integrity.
Audit management — Led engagement with external auditors, managing all statutory financial statement queries through to sign-off, delivering on time and within deadline.
Cross-functional stakeholder management — Collaborated with subsidiary accountants, treasury, product control, tax, and IT operations to validate reported balances and ensure financial statement accuracy.
A technically accomplished finance leader with deep statutory reporting expertise — delivering audit-ready financials with precision, governance, and executive-level confidence.

Apr 2016 — Nov 2016

Lloyds Banking Group

Finance Business Partner – Insurance Division

Lloyds Banking Group | FTSE 100 |Insurance Division
A commercially focused finance professional delivering management reporting, financial control, and derivative risk mitigation across one of the UK’s largest and most complex banking and insurance groups.
What I Delivered:
Executive decision support — Prepared high-quality management information, reports, and commentaries for senior leadership and Actuaries, translating complex financial data into clear, actionable insight for strategic decision-making.
Insurance division financial control — Delivered rigorous monthly and quarterly financial reporting across the insurance division, including disciplined expense tracking and variance analysis against budget.
OTC derivative oversight — Reviewed and validated collateral bookings against master netting agreements and ISDA agreements, ensuring accuracy and integrity across the OTC derivatives portfolio.
Derivative reporting — Produced quarterly derivative reports, providing senior stakeholders with transparent visibility of exposure and mitigation positions.
Combining financial control expertise with derivative and insurance knowledge to deliver reporting accuracy and strategic insight in a highly regulated, complex financial services environment.

Oct 2014 — Apr 2016

BNP Paribas

Legal Entity Controller – Group Investment Bank

Oct 2013 — Sep 2014

UBS

Group Finance Controller

Apr 2013 — Sep 2013

RBS

Financial Statutory Accounting Consultant - Markets and International banking

Sep 2010 — Mar 2013

UBS

Financial Controller: Group Investment Bank: Derivatives Instruments

Nov 2009 — Jul 2010

Royal Bank of Scotland Business

Financial controller Equity Derivatives

Sep 2007 — Nov 2009

Deutsche Bank

Financial Controller - Structured Credit Products Fixed Income

Jun 2006 — Aug 2007

Imperial Bank

Senior Group Finance Manager

May 2004 — May 2006

South African Revenue Services

Tax Audit Manager

Jan 2004 — Apr 2016

Various Companies

Strategic Advisor

Finance Leadership
Built a high-impact career across Investment Banking, Asset-Backed Finance, and the Public Sector, delivering financial integrity for organizations with complex, multi-billion-pound portfolios. Expert in bridging the gap between technical accounting and commercial decision-making, providing direct support to CFOs and Boards to optimize capital, manage risk, and ensure regulatory compliance.
Core Expertise & Accountability:
Strategic Advisory: Partnered with CFOs and Trading Desks to provide financial insights for capital allocation, risk management, and structured finance approvals.
Financial Control & Reporting: Directed end-to-end financial control, including month-end close, consolidations, and statutory disclosures (UK GAAP/IFRS) for complex legal entities.
Banking & Markets Activity: Led finance support for structured products, derivatives, and asset-backed lending, ensuring booking integrity and P&L substantiation.
Governance & Regulatory Liaison: Represented organizations in discussions with auditors and regulators, defending technical positions and securing pragmatic outcomes.
Operational Excellence: Designed MI dashboards to improve visibility over FX exposure, funding, and profitability while streamlining tax and VAT
compliance.
Key Career Achievements:
£1.1bn Oversight: Supported finance oversight and approval for over £1.1bn in trading and asset-backed transactions.
Audit Excellence: Delivered clean statutory accounts and audit submissions across six legal entities with zero material issues.
Process Transformation: Reduced post-close adjustments by 50% through the implementation of tighter controls and clarified ownership.
Non-Profit Governance: As Trustee & Treasurer, managed £558k in annual income, maintaining a 21-month cash runway and improving donor visibility.
Leadership: Built and mentored multi-disciplinary teams across Audit, Tax, and Finance to elevate delivery pace and stakeholder confidence.

Feb 2001 — Mar 2004

Pannell Kerr Foster

Senior Audit Manager

Sunil P.

Finance Director | Strategic Finance Leadership | Board Advisor