Sr Director, Technical Accounting & Financial Reporting

About PayJoy   PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success.  Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system.  Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life.  PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.   This role

About the Role

We are seeking a highly experienced Senior Director of Technical Accounting & Financial Reporting to lead our accounting policy, complex transactions, and external reporting functions. This role will be critical in ensuring compliance with U.S. GAAP, scaling financial reporting processes, and supporting strategic initiatives in a fast-growing fintech environment.

You will act as a key advisor to executive leadership on accounting implications of business decisions, new products, and transactions, while building a best-in-class reporting infrastructure.

Responsibilities

Technical Accounting

Lead the evaluation and documentation of complex accounting issues, including revenue recognition, financial instruments, stock-based compensation, and business combinations

Draft and maintain accounting policies in compliance with U.S. GAAP and evolving regulatory standards

Partner with Legal, FP&A, Treasury, and Product teams to assess accounting implications of new products, partnerships, and contracts

Own implementation of new accounting standards (e.g., ASC updates)

Financial Reporting

Oversee the preparation and review of monthly, quarterly, and annual financial statements

Lead external reporting requirements, including SEC filings (10-K, 10-Q, 8-K), if applicable

Ensure accuracy, timeliness, and transparency of financial reporting

Develop and enhance reporting processes, systems, and internal controls (SOX compliance)

Audit & Compliance

Serve as primary liaison with external auditors and advisors

Lead audit readiness and coordinate audit activities

Strengthen internal controls and governance frameworks

Monitor regulatory developments relevant to fintech and financial services

Leadership & Strategy

Build, mentor, and scale a high-performing accounting team

Provide strategic guidance on M&A, capital markets transactions, and international expansion

Drive automation and process improvements across accounting and reporting workflows

Support IPO readiness or public company compliance (if applicable)

Qualifications

Bachelor’s degree in Accounting or Finance (CPA required; Big 4 background strongly preferred)

10–15+ years of progressive accounting experience, including technical accounting and financial reporting

Strong expertise in U.S. GAAP, SEC reporting, and SOX compliance

Experience in fintech, financial services, or high-growth technology companies

Proven experience with complex transactions (e.g., debt/equity instruments, derivatives, M&A)

Demonstrated leadership experience managing and developing teams

Excellent communication skills with the ability to influence cross-functional stakeholders and executives

Preferred Qualifications

Experience in a public company or IPO environment

Familiarity with regulatory frameworks impacting fintech (e.g., payments, lending, digital assets)

Experience with ERP systems (e.g., NetSuite, SAP) and reporting tools

Strong project management and process optimization mindset

Benefits

100% Company-funded health insurance for employee and immediate family

Company-funded employee life and disability insurance

$2,000 annual Co-working Travel perk

$2,000 annual Professional Development perk

$340 Monthly Commuter benefit

401k contribution of 3% of salary (up to IRS limits)

Headphone benefit, home office equipment allowance and wellness perks

Catered lunches

20 paid vacation days, unlimited sick leave

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.   PayJoy Principles   Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening