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