Financial Controller

Role Overview

• 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.

Tech Stack

• Flux

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