Accountant Senior Accountant

📋 Description

• • Own the monthly, quarterly, and annual close for Capchase’s multi-entity lending operations, ensuring every journal entry, balance-sheet reconciliation, and variance analysis is completed accurately and on time in a fully-remote, fast-scaling fintech.
• • Become the go-to expert for accounting treatment of our core lending products—recording loan originations, repayments, interest income, charge-offs, recoveries, and loan-loss provisions under US GAAP while partnering with Risk & Data Science to validate CECL assumptions.
• • Drive revenue recognition for complex installment contracts using the Effective Interest Rate (EIR) methodology; build and maintain amortization schedules that feed directly into investor reporting and board-level KPI dashboards.
• • Prepare meticulous audit schedules, PBC lists, and flux analyses that enable Big-4 auditors to sign off efficiently; field technical accounting questions on credit losses, embedded derivatives, and fair-value considerations with confidence and clarity.
• • Build and continuously improve scalable processes, controls, and documentation for intercompany settlements across US, UK, and EU entities; automate reconciliations and eliminate manual touch-points as transaction volumes double year-over-year.
• • Partner cross-functionally with Sales Ops, Legal, FP&A, and Product to translate new product features (e.g., multi-year SaaS subscriptions with embedded financing) into clear accounting policies that protect revenue integrity and investor optics.
• • Surface insights from large data sets—leveraging NetSuite, SQL, and advanced Excel—to identify margin leakage, unusual credit trends, or process inefficiencies, then present actionable recommendations to senior leadership.
• • Contribute to ad-hoc strategic projects such as new market expansion, ERP enhancements, or fundraising due-diligence, acting as the finance team’s “utility player” who thrives in ambiguity and delivers under tight deadlines.
• • Mentor junior accountants and offshore contractors, fostering a culture of technical excellence, psychological safety, and continuous learning within a globally distributed team that spans 15 nationalities and 8 time zones.
• • Champion Capchase’s commitment to diversity, equity, and inclusion by participating in recruiting, employee-resource groups, and community outreach initiatives that broaden access to careers in fintech.
• • Help shape the next chapter of a category-defining company—your work will directly influence how thousands of software vendors finance growth and how millions of end-customers experience friction-free purchasing.