Senior Accountant / Accounting Manager

Overview

This role is for a self-sufficient, detail-oriented Senior Accountant or Accounting Manager responsible for owning accounting and supporting day-to-day finance operations. You will lead the monthly close, annual audit, and externally managed tax processes, while ensuring cash reconciliations, remittances, and financial reporting are accurate and delivered on schedule.

The position also includes supporting borrowing-base and warehouse operations in partnership with capital markets, as well as close collaboration across finance, operations, engineering, and data science.

Responsibilities

• Own and execute the monthly close in QuickBooks, including journal entries, account reconciliations, and timely financial statements
• Perform daily cash reconciliations across operating, collection, and lender accounts; track restricted vs. unrestricted cash, pending settlements, and amounts owed to bank partners and loan buyers
• Prepare remittance reports, bank transfers, and payments for required approvals; monitor settlement activity and reconcile completed cash movements
• Support borrowing-base calculations and certificates, loan pledges, draws and paydowns, and monthly servicer reporting in partnership with capital markets; track deadlines, facility utilization, and exceptions
• Coordinate loan-sale settlement and loan ownership updates with capital markets and engineering to keep loan records, cash movements, and partner reporting aligned
• Lead annual financial audits (currently with RSM), including preparation, supporting schedules, auditor requests, and support for financial statement drafting
• Manage tax workflows and coordinate with external tax advisors
• Own accounting processes and documentation; take over existing workflows through a structured handoff and maintain clear procedures, reporting calendars, approval steps, and backup coverage
• Maintain accurate loan, revenue, equity, and stock compensation accounting; reconcile financing fees, charge-offs and recoveries, warehouse interest, and bank partner fees to the general ledger
• Assist when technical accounting issues arise (equity, warrants, revenue treatment, etc.)
• Improve accounting and finance operations workflows through practical automation, stronger controls, and scalable reporting
• Partner with engineering and data science to reconcile loan tapes and repayment data to bank activity, general ledger balances, and warehouse reports; investigate and resolve discrepancies
• Prepare financial and cash metrics for investor updates and lender reporting, and maintain audit-ready schedules that reconcile to reported actuals

Requirements

• Strong hands-on accounting experience, including ownership of monthly close and reconciliations (public accounting experience preferred; fintech lending or startup experience a plus)
• Experience running or supporting external audits end to end
• Hands-on expertise with QuickBooks, monthly close, and financial statement preparation, plus the ability to execute recurring cash reconciliations, payment workflows, and operational reporting
• Familiarity with loan accounting, equity accounting, and stock comp
• Startup mindset: ability to take over existing processes quickly, manage daily and monthly deadlines, document work, and escalate discrepancies independently
• Excellent communication and collaboration skills
• Bachelor’s degree in Accounting or Finance; CPA preferred

Preferred Qualifications

• Experience in fintech lending or revenue accounting for complex financial products and loans
• Experience with warehouse lending or forward-flow operations, including borrowing-base reports, loan pledges, settlements, and remittances
• Strong documentation and process-improvement mindset

Compensation & Benefits

• Competitive compensation and meaningful equity
• 99% employer-paid health insurance
• High-ownership, high-impact environment

Location & Workstyle

• Flexible location: open to remote and has a San Francisco office