The Role
Leads technical accounting, complex transaction evaluation, accounting policy, external financial reporting, SEC filings, audit coordination, SOX controls, and accounting process improvements. Advises executives and cross-functional teams on accounting implications of products, partnerships, M&A, capital markets, and international expansion. Builds and mentors the accounting team while supporting IPO and public-company readiness.
Summary Generated by Built In
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
Skills Required
- Bachelor's degree in Accounting or Finance
- CPA certification
- 10-15+ years of progressive accounting experience
- Experience in 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
- Experience with complex transactions, including debt/equity instruments, derivatives, or M&A
- Leadership experience managing and developing teams
- Excellent communication and cross-functional stakeholder influence skills
- Big Four accounting background
- Experience in a public company or IPO environment
- Familiarity with fintech regulatory frameworks, including payments, lending, or digital assets
- Experience with ERP systems such as NetSuite or SAP and reporting tools
- Project management and process optimization experience
PayJoy Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about PayJoy and has not been reviewed or approved by PayJoy.
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Fair & Transparent Compensation — Pay is considered market‑aligned for senior U.S. technical roles, and public salary bands help candidates benchmark and align expectations. Feedback suggests this transparency supports confidence that offers are competitive for role and location.
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Healthcare Strength — Company‑paid basic medical, dental, vision, life, and disability coverage is emphasized as a standout element versus many startups. Feedback suggests this reduces out‑of‑pocket burden and strengthens the core benefits foundation.
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Parental & Family Support — Paid parental leave and flexible hours are highlighted alongside dedicated time off. Feedback suggests these family‑oriented policies enhance the perceived completeness of the package.
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The Company
What We Do
PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being. Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.
