UK

United Kingdom · Finance · Entry Level (0-2 years)

Associate Sukuk Analyst

As an Associate Sukuk Analyst, you ensure every detail aligns with Shari'ah principles, shaping ethical finance products.

Here is the whole job, in plain words. What it is, a real day, what you decide, how you're judged, how people get here and where they go next. Then the part no course gives you: twelve AI tutors who learn your work.

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  • Experience bandEntry Level (0-2 years)
  • Direct reportsNo direct reports
  • Reports toSenior Sukuk Specialist
  • UK framework levelUsually someone starting out, or keeping a process running

Also advertised as Junior Islamic Finance Analyst · Sukuk Operations Assistant · Entry-Level Sukuk Specialist

Built on 43,079 real UK job descriptions we analysed · grounded in what real qualifications cover

Two short quizzes about you

1From this job to a course

The qualifications matched to this job

No confident skill match yet for Associate Sukuk Analyst. The closest we hold is below.

Matched from the standards this job is measured against: a suggestion, not an official ruling.

The units you would start with

Investment Business: Strategy, Clients and Commercial Performance CFA UK Level 3 Award in Investment Business: Strategy, Clients and Commercial Performance
Investment Analysis OTHM Level 7 Diploma in Accounting and Finance

The future skills this job leans on

AI Fluency working with AI as a thinking partner
Data Fluency turning numbers into a decision
AI Governance Fluency using AI responsibly
Sustainability Fluency building care for people and planet into the work
Your Plan Illustration

Built for Associate Sukuk Analyst

2 units that map to this job, from the qualifications that cover it.

  1. Investment Business: Strategy, Clients and Commercial Performance CFA Society of UK · covers 1 of 1 standards Level 3
  2. Investment Analysis OTHM Qualifications · covers 1 of 1 standards Level 7
These are the real units behind this job, in the order they rank for it. Nothing here is marked done, because this plan has not been started by anyone yet. Yours would fill in as you go.

2AI and this work

Will AI change your work as an Associate Sukuk Analyst?

Nobody can say exactly how. Here is what this job is being asked for next, and where to start.

How the AI economy is changing work like this

A broad read on this kind of work, not an analysis of this job on its own. Roles that share a pattern get the same answer here.

Fading: AI does more of this

AI is taking over the repetitive tasks of data summarisation and initial drafting, freeing you from the busywork.

→
Rising: worth more because of AI

Your ability to apply judgement to nuanced Shari'ah compliance and financial ethics becomes more valuable.

The new skills this role is being asked for

  • Prompt Engineering & LLM Integration (Basic)
  • ESG & Green Sukuk Frameworks (Awareness)
Why each one is rising

The future skills this job leans on

We'll only ever tell you what we can actually back up. No hype, no scare tactics.

What happens when you start

Next, a free account. We build your Associate Sukuk Analyst plan as you set up, starting with the free AI Fluency module. No card.

Your first Future Fluency module is free. After that, your AI tutor is £70 a month.

Ready to pay? Subscribe for £70 a month

Keep this read. One email with what AI is changing in this job, the new skills it asks for and where to start free. Nothing else follows unless you confirm your address.

3What this role really is

We see you

You wonder if AI will ever truly grasp the nuances of Shari'ah compliance. Yet, you know your keen eye for detail and understanding of ethical finance sets you apart.

An Associate Sukuk Analyst helps build financial products that follow Shari'ah law. The work covers checking financial models and making sure legal documents are correct. It is a foundational role in a complex area of finance, working through the detail of Sukuk structuring.

4A day in the life

Not a job advert. A real day, built from what this role actually holds.

08:45
You begin your day by diving into financial models for a new Sukuk structure, ensuring every input aligns perfectly with expected scenarios.
11:00
You meticulously proofread sections of a prospectus, catching a numerical inconsistency that could have derailed the entire document.
14:30
You upload critical documents to the virtual data room, setting permissions with precision to ensure smooth due diligence.
16:00
You summarise recent market trends on Sukuk issuances for the Senior Analysts, pulling key data from Bloomberg Terminal.

5What you'd actually use

The tools this job runs on, and how well you'd need to know each one.

Bloomberg Terminal / Refinitiv Eikon Intermediate

Pulling pricing data (like YAS screen), running basic comparisons, monitoring market news, and tracking existing Sukuk issuances. You'll use pre-built templates and screens.

Microsoft Excel (Advanced) Intermediate

Proficient in VLOOKUP/XLOOKUP, PivotTables, and navigating basic cash flow models for Ijarah or Murabaha structures. You'll be inputting data and verifying existing formulas.

Intralinks / Datasite Basic

Uploading/downloading documents, managing user permissions for due diligence, and navigating the data room structure with guidance. You'll be the one making sure everything is filed correctly.

Path Solutions iMAL / Oracle FLEXCUBE Islamic Banking Basic

Inputting deal parameters and generating standard term sheets or profit calculation reports for common structures. You'll be using the system, not configuring it.

Microsoft PowerPoint / PitchBook Intermediate

Creating slides from existing templates, populating data into charts, and ensuring consistent formatting for pitch decks and internal presentations. It's about making things look good and accurate.

6What you get to decide, and how that grows

Power in a job isn't your title. It's what you're allowed to decide. Here's how it grows as you move up.

The choiceComing in Where you are nowThe step above
Financial Model Adjustments No independent adjustments. Input data and run scenarios as instructed. Any proposed changes or discrepancies must be escalated to your Senior Sukuk Specialist for review and approval. Can make routine adjustments to existing models (e.g., changing interest rates or tenors) within established guidelines. Must get sign-off for any structural changes or new model components. Can independently design and build new model components or entire models for standard Sukuk structures. Consults with Lead Structurer on complex, novel structures or significant deviations from standard practice.
Legal Document Content No authority to change legal clauses. Your role is to proofread, check consistency, and flag potential issues or discrepancies for review by Legal Counsel or Senior Specialist. Can draft minor, non-substantive amendments to existing clauses based on clear instructions. Cannot negotiate or approve any changes to core legal or Shari'ah-sensitive terms. Can draft and negotiate substantive legal clauses for standard Sukuk structures, ensuring Shari'ah compliance. Consults with Lead Structurer and Legal Counsel on highly complex or novel clauses.
External Communication No direct external communication with clients, investors, or external counsel without explicit, prior approval and often supervision. All emails and calls must be drafted for review. Can respond to routine information requests from external parties (e.g., 'Can you send me the latest version of the prospectus?') after manager approval. Cannot discuss deal strategy or sensitive information. Can lead discussions with external counsel, rating agencies, and certain client representatives on technical aspects of the deal. Strategic communication with key clients still requires Lead Structurer or Manager involvement.

7How you'll be judged

The scoreboard, and what is not on it. The hard targets, how often each is actually looked at, and the quiet signals that never reach a dashboard.

Financial Model Data Accuracy
Percentage of data points correctly entered or verified in financial models.
Target · 99.5% accuracy (or fewer than 2 errors per 1000 data points)

If you're inputting 500 data points into a Murabaha cash flow model, we'd expect no more than 2-3 minor errors that a Senior Analyst would catch. Anything more than that means a re-work and delays.

Document Proofreading Error Rate
Number of critical errors (e.g., contradictory clauses, incorrect figures) missed in assigned legal document sections.
Target · Fewer than 1 critical error per 100 pages reviewed

You've proofread a 200-page prospectus section. If you spot 3 typos but miss a clause that contradicts the Shari'ah board's fatwa, that's a critical error. We're aiming for you to catch those big ones.

Data Room Upload Completion & Timeliness
Percentage of documents uploaded to virtual data rooms within agreed-upon deadlines.
Target · 100% completion within 4 hours of receipt

You get 20 new due diligence documents at 10 am. We expect them all to be correctly categorised and uploaded to Intralinks by 2 pm, ready for external counsel to review.

Research Task Completion Rate
Percentage of assigned market or regulatory research tasks completed on time and to specification.
Target · 95% on-time completion with relevant findings

You're asked to find the latest regulatory updates on Sukuk issuance in Malaysia by Friday. We'd expect a concise summary of relevant changes delivered by then, not just a list of links.

Proactive Learning & Questioning
Demonstrates a genuine effort to understand the 'why' behind tasks and asks thoughtful, well-researched questions.
  • You'll come to your Senior Specialist with questions like, 'I've checked the Murabaha structure, and I'm not sure why we're using a commodity broker for this leg – could you explain the Shari'ah rationale?' rather than just 'What do I do next?'. You'll also bring solutions or options, not just problems.
Team Collaboration & Support
Actively supports team members, offers help when capacity allows, and is a reliable contributor to team goals.
  • You'll offer to help a colleague who's swamped with a data room upload, even if it's not strictly 'your' task. You'll also share useful market insights you've found during your research, without being asked. People will say you're easy to work with and always willing to chip in.
Adherence to Shari'ah Principles
Demonstrates a growing understanding of core Islamic finance principles and flags potential compliance issues.
  • You might spot a draft clause in a document that subtly implies interest, even if it's not explicitly stated, and bring it up for discussion. Or you'll question why a certain asset is being considered for an Ijarah structure, asking if it truly meets the tangibility requirements. It's about developing that 'Shari'ah radar'.
Feedback Responsiveness
Actively listens to feedback, incorporates it into subsequent work, and shows demonstrable improvement.
  • After a review session where you were told to double-check all cross-references in legal docs, your next submission will have fewer (ideally zero) such errors. You'll show you've not just heard the feedback, but actioned it, and you're not making the same mistakes repeatedly.

8Would you like it

Both sides. What people enjoy, and what grinds them down.

What people enjoy
Making a Real Impact with Ethical Finance

You'll feel a sense of purpose knowing your detailed work contributes to creating financial products that align with ethical and religious principles. It's not just about profit; it's about purpose. You'll see your input in documents that lead to significant, Shari'ah-compliant investments.

When a £200M Sukuk you've worked on closes, you'll feel proud knowing your proofreading stopped a critical error that could have jeopardised its Shari'ah compliance.

Mastering a Complex, Niche Field

If you love diving deep into intricate subjects and becoming an expert in something few people understand, this role will scratch that itch. Every day is a learning opportunity, from new Shari'ah interpretations to complex legal structures. You'll be constantly challenged to expand your knowledge.

You'll spend hours researching the tangibility requirements for a specific asset class, and when you finally 'get it' and can explain it to a colleague, that's a win.

Working at the Intersection of Multiple Disciplines

You'll be exposed to legal, financial, and religious expertise daily. This isn't a siloed role; you'll constantly be learning how these different worlds interact and influence each other, which is incredibly stimulating if you enjoy that kind of cross-disciplinary thinking.

You'll sit in on a meeting where a Shari'ah scholar debates a legal counsel on a specific clause, and you'll realise how many different perspectives need to be reconciled for a deal to happen.

What frustrates people
  • The 'Shari'ah Board Bottleneck': Waiting weeks for a fatwa, which holds up the entire deal, after you've done all your work.
  • Documentation Fatigue: Drowning in thousands of pages of legal documents, needing to spot tiny errors.
  • The 'Asset Scramble': The constant pressure to find suitable, Shari'ah-compliant assets, which can be a huge hurdle.
  • Explaining the Basics: Repeatedly clarifying fundamental Islamic finance concepts to people who really should know them by now.
What this role does not give you
  • Immediate high-level strategic decision-making – that comes with experience.
  • A fast-paced, constantly changing project environment – some parts of the process are inherently slow.
  • A role where you rarely have to deal with tedious, detailed tasks – accuracy is paramount here, and that means attention to detail.

9Who you work with

This role directly impacts the efficiency and accuracy of our Sukuk issuance process. Your meticulous support ensures that transactions progress without hitches, maintaining our reputation for reliability and Shari'ah compliance. Essentially, you're helping us avoid costly errors and delays, which keeps our clients happy and our deals on track. Get it wrong, and we're looking at reputational damage and potential financial penalties.

Inside the business
  • Senior Sukuk Specialists
  • Legal Counsel (Internal)
  • Shari'ah Board Secretariat
  • Operations Team (Settlements)
  • Compliance Department
Outside the business
  • External Legal Counsel
  • Rating Agencies (e.g., S&P, Moody's)
  • Auditors
  • Potential Investors (indirectly, via documentation)

10What you need before you start

Not a wish list. The things you would be expected to already have.

  • A strong academic background in finance, economics, or a related quantitative field.
  • Demonstrable experience (e.g., internships, academic projects) with financial modelling in Excel.
  • A genuine interest in Islamic finance, perhaps evidenced by relevant coursework, personal reading, or participation in industry events.
  • Excellent written and verbal communication skills in English.
  • Proven ability to manage multiple tasks and meet deadlines in a demanding environment.

11What to practise next

Where the job is going, and what to do about it starting this week.

Advanced Excel for Sukuk Modelling

As deals become more complex, the models need to keep up. You'll need to move beyond basic functions to build more robust, dynamic, and auditable models that can handle various profit-sharing mechanisms and lease structures.

Power Query for efficient data cleaning and transf · Advanced array formulas and named ranges for model · Building dynamic sensitivity and scenario analysis · Basic VBA macros for automating repetitive tasks (

  • This week: Identify one repetitive Excel task you do and research how to automate it with a simple macro or Power Query.
  • This month: Take an online course on advanced Excel functions relevant to financial modelling.
  • Month 2: Try to build a small, standalone cash flow model for a simple Ijarah structure from scratch, focusing on best practices.
  • Month 3: Ask your Senior Specialist if you can shadow them during a model audit or review session to understand what they look for.

Quick win: Start using Excel's 'Trace Precedents' and 'Trace Dependents' features to understand existing models better. It's a simple habit that makes a huge difference.

Deeper Shari'ah Jurisprudence Application

You'll need to move beyond just recognising contract types to understanding the subtle nuances and potential challenges in their application. This means being able to articulate why a structure is compliant, not just that it is.

Understanding the concept of Gharar (uncertainty · Differentiating between various schools of thought · The role of Ijtehad (independent reasoning) in m · Practical implications of Shari'ah board fatwas

  • This week: Pick one core Islamic contract (e.g., Mudarabah) and read 2-3 scholarly articles on its practical application in Sukuk.
  • This month: Attend an internal or external webinar on a specific Shari'ah concept relevant to Sukuk.
  • Month 2: Proactively ask your Senior Specialist to explain the Shari'ah rationale behind a specific clause in a deal you're working on.
  • Month 3: Start building a personal glossary of Islamic finance terms and concepts, noting different interpretations.

Quick win: Whenever you encounter a new Islamic finance term or concept, take 5 minutes to look it up and understand its basic meaning and relevance to Sukuk.

12Staying current once you are in

What people here do to keep up
  • Attending industry webinars and conferences on Islamic finance and capital markets.
  • Enrolling in online courses or certifications in advanced Excel modelling or data analysis.
  • Reading key publications and journals on Islamic jurisprudence and finance.
  • Seeking mentorship from senior colleagues within the team to accelerate your learning.

13The rising capability

The rising capability

Zavmo analysis

What's rising in its place

This is where the work is heading, and the higher pay with it. Get fluent here and the shift stops being a threat and starts being your edge.

Prompt Engineering & LLM Integration (Basic)

Competitors are already using Large Language Models (LLMs) like ChatGPT or Claude to draft initial research summaries, legal clause comparisons, and even parts of internal memos in minutes. Analysts who figure this out will simply outproduce their peers.

  • Understanding 'context windows' and 'token limits'
  • Crafting clear, specific prompts to get relevant f
  • Using AI for summarisation and initial drafting of
  • Basic output validation: knowing when to question

ESG & Green Sukuk Frameworks (Awareness)

The demand for ethical and sustainable investments is booming, and Islamic finance is perfectly positioned to capture this. 'Green Sukuk' and 'Sustainability-Linked Sukuk' are becoming more common, meaning you'll need to understand the underlying ESG principles.

  • Basic understanding of Environmental, Social, and
  • What constitutes a 'Green Sukuk' and its typical u
  • Key reporting standards for sustainable finance (e
  • The intersection of Shari'ah compliance and ESG cr

14What you’ll use

What you’ll use

Skills this role draws on

Technical

  • Shari'ah Contract Structuring (Foundational)
  • Financial Modeling for Islamic Finance (Basic)
  • Asset-Based vs. Asset-Backed Analysis (Awareness)
  • Prospectus & Legal Documentation Review (Support)
  • Credit & Obligor Risk Assessment (Data Support)

15The pathway

The pathway

How you actually get there, here

How you become one varies far more by country than what one does. This is the UK route. Most people take one of these ways in; the right one depends on where you're starting from.

  1. 1

    Graduate Analyst / Intern Programme

    0-1 year

    Skills to master

    • Foundational financial analysis, basic Excel modelling, understanding of capital markets, strong communication.

    You're ready to move on when

    • Consistently accurate work on all assigned tasks.
    • Proactive in seeking out learning opportunities.
    • Positive feedback from multiple team members on collaboration and support.
    • Demonstrated understanding of core Islamic finance concepts.
  2. 2

    Back Office / Operations Role in Finance

    1-2 years

    Skills to master

    • Operational processes, data management, attention to detail, understanding of trade lifecycle, basic regulatory awareness.

    You're ready to move on when

    • Proven track record of accuracy and efficiency in operational tasks.
    • Self-initiated learning in financial products and markets.
    • Ability to identify and flag process improvements.
    • Strong desire to move into a front-office or analytical role.
  3. 3

    Legal Support / Paralegal (Finance Focus)

    1-2 years

    Skills to master

    • Legal document review, contract analysis, regulatory research, understanding of legal frameworks in finance.

    You're ready to move on when

    • Meticulous attention to detail in legal text.
    • Ability to summarise complex legal information clearly.
    • Interest in the commercial and financial aspects of legal agreements.
    • Strong desire to apply legal understanding to financial product development.

16How people get here · where they go next

Came from
Graduate Analyst / Intern Programme
0-1 year
You mastered foundational financial analysis and developed a solid understanding of capital markets, setting the stage for your current role.
You are here
Associate Sukuk Analyst
Entry Level (0-2 years)
An Associate Sukuk Analyst helps build financial products that follow Shari'ah law. The work covers checking financial models and making sure legal documents are correct. It is a foundational role in a complex area of finance, working through the detail of Sukuk structuring.
Goes to
Sukuk Structuring Analyst
2-3 years
This role involves independent problem-solving and taking ownership of specific components of Sukuk deals.

The long view: This role gives a grounding in a specialist area of finance. It can lead to roles such as Senior Sukuk Specialist or Lead Sukuk Structurer.

The ten Future Fluencies

Zavmo analysis

The credential is what you can do today. These are what keep you valuable.

A qualification proves you can do the job as it's defined today. These ten are what decide whether you're still the obvious person for it in five years. They're the capabilities employers are now writing into senior roles faster than people are learning them. Zavmo weaves them through whatever you study, so you come out with both: the credential and the fluency.

The highlighted ones are the Fluencies your role leans on hardest, from how Associate Sukuk Analyst is actually changing.

Where it leads

Roles this leads to

How you would learn this

One to one, on the work you already do

A tutor sets the task against your own job and marks the reasoning, at your pace. There is no cohort to fall behind.

A lesson from Investment Business: Strategy, Clients and Commercial Performance, worked against Associate Sukuk Analyst.

Investment Business: Strategy, Clients and Commercial Performance Level 3

Applied to your work in Associate Sukuk Analyst

This unit aims to provide learners with a comprehensive understanding of the investment industry, including its purpose, structure, and the various types of investment firms. Learners will explore the structure, governance, ethical considerations, commercial proposition, client strategy, and financial performance of an investment business.

The Coach Last time, we talked about the importance of accuracy in your financial models. How did your recent model check go?

You I caught a small error, but it was a good learning experience.

The Coach Great catch! Let's set up a practice session where you can refine your approach to spotting these issues more efficiently.

How the thinking builds
  1. 1 Remember
  2. 2 Understand
  3. 3 Apply
  4. 4 Analyse
  5. 5 Evaluate
  6. 6 Create
An illustration of a Zavmo lesson, built from this role’s own route. The unit, its objective and every criterion above are the awarding body’s own words, not an example.

It is £70 a month, billed monthly. Your free first module is Future Fluency, and you can cancel any time.

A year from now

A year from now, you're confidently navigating the complexities of Sukuk structuring, with AI as your trusted assistant, not your replacement.

See Your Progress Grow Illustration
Associate Sukuk Analyst
  • Shari'ah Contract Structuring (Foundational)
  • Financial Modeling for Islamic Finance (Basic)
  • Asset-Based vs. Asset-Backed Analysis (Awareness)
  • Prospectus & Legal Documentation Review (Support)
  • Credit & Obligor Risk Assessment (Data Support)
This is your Mind Palace on learn.zavmo.ai. Every skill above comes from this role's own record, not an example borrowed from another job. A node lights up when you evidence it, and what you build stays yours between jobs. That is the part a course cannot do.

17The detail, folded away

Everything else the record holds

The career branches in full, how AI is already showing up in the day-to-day, and the questions people ask about this job. Here when you want them, out of the way while you decide.

Where it leads next, rung by rung

Where it leads

The career path, and where it branches

Associate Sukuk Analyst is a start, not a ceiling. Each step below asks for new skills and hands back more autonomy.

  1. Sukuk Structuring Analyst

    2-3 years (from Associate)

    Level 2 (Mid)

    • End-to-end Financial Modelling Building and owning complete financial models for standard Sukuk structures.
    • Drafting Key Document Sections Independently drafting core sections of legal documentation.
    • Shari'ah Board Interaction Preparing materials for and participating in discussions with the Shari'ah board.
    • Market Analysis Conducting deeper, more nuanced market and competitor analysis.
Working with AI on the job

Working with AI

Where AI is starting to help

Let's be real: a lot of the 'grunt work' in Sukuk structuring—the repetitive checks, the initial research, the first drafts—can be a huge time sink. But what if you could offload a good chunk of that to AI? We're not talking about replacing you; we're talking about making your job smarter, faster, and frankly, a lot less tedious.

Imagine having a super-assistant that helps you sift through thousands of pages of legal text, cross-reference Shari'ah rulings, and even draft initial summaries. That's what AI tools are starting to do for Sukuk Specialists. You'll still need your brain, your judgment, and your deep understanding of Islamic finance, but the heavy lifting? Much of that can be automated.

Document Clause Screener

AI scans drafts of the Prospectus and other legal agreements, flagging potentially non-compliant clauses (e.g., references to 'interest,' ambiguous terms) against a pre-approved Shari'ah compliance library. This means you spend less time manually searching and more time on critical review.

Fatwa Precedent Analyser

AI analyses a database of historical fatwas from various Shari'ah boards to help you understand potential interpretations for a novel structure, highlighting areas of scholarly concern before the official submission. It's like having a research assistant who's read every relevant ruling.

Cross-Jurisdictional Research Assistant

AI rapidly searches and summarises the specific legal, tax, and regulatory requirements for issuing a Sukuk in a new country, comparing them against established market practices (e.g., Malaysia, UAE, KSA). Get the overview in minutes, not hours.

Structure-to-Simple Explainer

AI generates a first draft of a client-friendly executive summary or investor presentation slides, translating the complex legal and religious terminology of a Sukuk structure into clear, commercial language. You'll refine it, of course, but the initial heavy lifting is done.

Common questions

Common questions

How do you become an Associate Sukuk Analyst?

Common routes in include Graduate Analyst / Intern Programme (0-1 year), Back Office / Operations Role in Finance (1-2 years) and Legal Support / Paralegal (Finance Focus) (1-2 years). Times vary with prior experience.

Where can an Associate Sukuk Analyst progress to?

This role can lead on to Sukuk Structuring Analyst (2-3 years (from Associate)), depending on the skills you build.

What new skills matter most for an Associate Sukuk Analyst?

Increasingly, Prompt Engineering & LLM Integration (Basic) and ESG & Green Sukuk Frameworks (Awareness). These are the skills our record of this role lists as growing.

Free tools

Want a read on where you stand?

Three free tools, no account needed. Each one ends with a role, a level and a way in.

Read the Zavmo manifesto to understand how you will be taught Meet your tutors

Or try another one

18Where to go from here

Other roles at Level 2

Same depth of qualification, different job. Useful if the work appeals but this particular role does not.

 More jobs in finance

Stay in the field you know and move sideways rather than up.
If you leave this industry

The skills gained are transferable across Islamic finance. They can lead to roles in fund management, managing Sukuk portfolios, or corporate finance, advising on Sukuk issuance. They also apply to regulatory bodies shaping Islamic finance policy, or Shari'ah advisory firms giving expert opinions. A solid understanding of Sukuk structures and compliance carries weight across all of these.

This role profile is © 2026 Growth Engineering Technologies Ltd. Built from UK occupational standards and regulated qualification data, and written for Zavmo.

You're not behind. You're right on time. The shift is only just beginning. Your role won't look the same in two years. Be the one who leads the change, not the one it happens to. Start my free AI Fluency module What happens next: a free account, then we build your plan as you set up. No card. Build your plan, see your roadmap and meet the twelve tutors matched to you. All free. When you're ready to start learning, it's £70 a month, billed monthly. Cancel any time and billing stops.