Reap

Full-stack Engineer

• Design and build backend services for card transaction processing, fraud detection, and/or card program management
• Contribute to system architecture and technical decision-making with a focus on performance, fault tolerance, and maintainability
• Collaborate with cross-functional stakeholders (Product, Risk, Finance, Compliance) to deliver robust, compliant financial systems
• Write clean, observable, and well-tested code in a service-oriented architecture
• Participate in code reviews, incident response, and ongoing reliability improvements
• Help evolve our engineering practices, tools, and system designs as we scale

Senior Software Engineer, Card Solutions

• Own the full development lifecycle of features end to end — from conception through deployment and operation
• Build scalable, maintainable, and robust full-stack systems
• Collaborate closely with other engineers and product stakeholders to design solutions
• Lead by example and raise the bar for engineering practices and quality

Senior Software Engineer

Financial Planning and Analysis

• Coordinate the group reporting and consolidation process, working closely with the Reporting Lead to ensure all entities and business lines are closed accurately and on schedule each period.
• Manage and develop the business line reporting team, overseeing the Finance Managers / Senior Financial Analysts who own individual business lines.
• Provide technical guidance, review their work, and ensure consistency in methodology and quality across the group.
• Own the group consolidation workpapers, including intercompany eliminations, foreign currency translation, tiered sub-consolidation and top-level Reap Group consolidation.
• Drive the month-end and quarter-end close calendar, setting deadlines, tracking progress, and resolving bottlenecks.
• Ensure consistency and accuracy of reporting across all entities, establishing and enforcing group accounting policies, chart of accounts standards, and reporting templates.
• Design and implement reporting process improvements, identifying opportunities to automate consolidation steps, streamline intercompany reconciliation, and reduce manual adjustments.
• Prepare and review group management reporting packages, including consolidated P&L, balance sheet, cash flow, and segmental analysis.
• Support statutory reporting and regulatory filings across multiple jurisdictions, coordinating with local finance teams and external advisors to ensure compliance with local GAAP / IFRS requirements and filing deadlines.
• Contribute to special projects such as investor reporting, new entity setups, and ERP system enhancements as they arise.

Senior Finance Manager, Group Reporting

• Own end-to-end financial reporting for a designated business line, from transaction capture through to month-end close and management reporting.
• Drive the monthly close process for your business line, including journal entry preparation and review, account reconciliations, variance analysis, and balance sheet substantiation.
• Build and maintain reconciliations between source and the general ledger, identifying and resolving discrepancies.
• Develop and automate reporting workflows, leveraging SQL and data tools to extract, transform, and load financial data.
• Ensure accurate revenue recognition and cost allocation in compliance with IFRS, particularly for complex transaction types involving multi-currency flows, stablecoin settlements, interchange, and fee structures.
• Prepare management reports and analysis for your business line, providing insights on performance trends, margin drivers, and variances against forecast and prior periods.
• Support external audit and regulatory requirements by preparing schedules, responding to queries, and maintaining documentation that meets PwC audit standards.
• Collaborate with cross-functional teams (product, engineering, operations, FP&A) to understand business changes, new product launches, and their accounting implications.
• Strengthen internal controls and standard operating procedures for your business line's reporting processes, ensuring operational effectiveness and compliance.

Finance Manager – Senior Financial Analyst, Business Line Reporting

Strategy

• Own the pricing strategy across the business lines.
• Design, maintain, and evolve pricing frameworks for Reap's product stack.
• Analyse interchange economics, scheme fee structures, FX spreads, subscription tiers, and contract-level unit economics to ensure pricing captures value and supports margin targets.
• Optimise and extend product pricing structures.
• Evaluate and refine pricing models as products evolve.
• Ensure pricing architecture scales with the product suite rather than fragmenting across one-off deal terms.
• Build the commercial modelling capability.
• Develop financial models and provide the analytical backbone for new deal structuring, partnership agreements, and product launches.
• Drive customer and partner segmentation.
• Act as the commercial SME in strategic deals.
• Support strategic integration workstream - cross-sell economics, joint go-to-market pricing, embedded product structures, and synergy tracking.

Senior Software Engineer, Card Solutions

Senior Software Engineer

Senior Finance Manager, Group Reporting

Finance Manager – Senior Financial Analyst, Business Line Reporting

Pricing & Commercial Strategy Manager