Own the preparation of accurate, timely GAAP financial statements (income statement, balance sheet, cash flow statement)
Ensure proper accounting treatment for loan originations, interest income, deferred fees, credit losses (CECL), and warehouse facility borrowings
Maintain and enforce accounting policies in accordance with US GAAP
Coordinate with the FP&A team to align management reporting with GAAP financials
Manage and execute the full monthly close process, including journal entries, account reconciliations, and flux analysis
Drive continuous improvement of close timelines and accuracy
Maintain a close calendar and ensure all deadlines are consistently met
Serve as the primary point of contact for external auditors
Lead annual audit preparation, including PBC schedules, workpaper documentation, and auditor communications
Ensure the company is audit-ready at all times, not just at year-end
Manage federal, state, and local tax compliance, including preparation and filing coordination with external tax advisors
Oversee sales tax and any applicable excise or regulatory tax obligations
Support tax planning and structuring as the business scales
Design and maintain a strong internal controls environment
Ensure compliance with lender reporting requirements and debt covenant calculations
Support any regulatory or licensing requirements related to the lending business
Own the accounting tech stack (GL, expense management) and drive adoption of scalable tools
Partner with engineering and operations to ensure proper revenue and transaction data flows into the GL
Build and document accounting processes and policies as the company grows.

Requirements

Bachelor's degree in Accounting or Finance; CPA a plus
8–12 years of progressive accounting experience, including time in public accounting
Experience in fintech, specialty finance, lending, or financial services — familiarity with loan accounting (ASC 310, CECL/ASC 326) is strongly preferred
Proven experience managing a full monthly close and leading an external audit
Solid understanding of US GAAP, including revenue recognition, debt accounting, and lease accounting
Experience with tax compliance coordination (federal, state, local)
Hands-on with accounting systems (QuickBooks, NetSuite, or similar); comfortable working in a lean, build-it-yourself environment
High attention to detail, strong organizational skills, and the ability to manage multiple priorities under deadline
Strong communicator — able to present financial results clearly to non-finance stakeholders and the board.

Benefits

Competitive compensation and equity package
Comprehensive benefits (medical, dental, vision)
Collaborative office culture with a strong product mindset
Opportunities to grow, lead, and shape the future of consumer finance
401k program

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

GAAPfinancial statementsloan accountingASC 310CECLtax complianceinternal controlsmonthly close processjournal entriesaccount reconciliations

Soft Skills

attention to detailorganizational skillscommunication skillsability to manage multiple prioritiesleadershipcollaborationproblem-solvingtime managementadaptabilitypresentation skills

Certifications

Bachelor's degree in AccountingBachelor's degree in FinanceCPA