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Title: Sr. Manager, Technical Accounting & Financial Reporting
Reports To: Head of Accounting
Location: Jersey City, NJ - Hybrid (On-site 3 Days/ Week)
The Company:
Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.
We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.
What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.
We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.
Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.
The Role:
Sunbit is seeking a Sr. Manager, Technical Accounting & Financial Reporting to own the technical accounting and external financial reporting a public company requires, and to get Sunbit ready to file. You will be the technical authority on US GAAP for a consumer lending business, making sure the numbers, the disclosures and the documentation hold up to auditors, investors and the SEC.
RequirementsWhat you’ll Own:
- Own technical accounting policies and memos, including revenue recognition, loan and receivable accounting, allowance for credit losses (CECL), fair value, securitizations and variable interest entities, debt and equity, and stock-based compensation.
- Lead the build of external reporting: audited financial statements, quarterly reviews, footnote disclosures, and the readiness work for S-1 and later 10-Q and 10-K filings.
- Manage the relationship with the external auditors and the audit process.
- Evaluate new accounting standards and complex transactions, and document conclusions.
- Partner with Finance Applications on the systems and automation that support close, consolidation and reporting.
- Support SOX readiness: help design and test controls over financial reporting, and own the documentation for accounting judgments and estimates.
- Lead and develop the reporting and technical accounting team, coordinating with the accounting group on the West Coast and with Israel.
What You’ll Bring:
- 8+ years in accounting, including public accounting (Big 4 or equivalent) and time at a public or pre-IPO company.
- Deep US GAAP experience in consumer lending or fintech: CECL, loan origination fees and costs, loan sales, securitization and warehouse facilities.
- Experience with SEC reporting, ideally including an IPO or S-1 process.
- CPA required.
- Experience managing teams and external auditors.
- Experience with a buy-now-pay-later or point-of-sale lending model, and with automated close and reporting tools, preferred.
How We Pay:
- We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership.
- We are targeting a salary of $165,000-185,000 per year for this role
- This role will also be granted company equity via stock options
The Perks:
- Mission driven, empowered, and collaborative culture
- Competitive pay and stock options
- Unlimited PTO
- Comprehensive health benefits (Medical, Dental, Vision, Life, EAP, Parental Leave, HSA, & more)
- Newly added HSA and Pet Insurance
- 401(k) with company match
- Cell Phone Stipend
- Team-based strategic planning and ownership of deliverables
Why Choose Sunbit?
Sunbit is recognized as one of the fastest-growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and FinTech Breakthrough for its innovation and impact. The company has also been featured among Newsweek’s Most Loved Workplaces and CB Insights’ Unicorn Companies, reflecting a valuation of $1.1B.
People choose Sunbit for its people-first culture rooted in service, inclusion, and real-world impact. Powered by AI that helps people in life’s critical moments—offering high approvals, speed, and zero fees—Sunbit has achieved proven scale across tens of thousands of merchants and millions of transactions. Its fast, fair, and simple financial products empower consumers and partners alike through clarity and trust.
Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.
Recruitment Fraud Disclaimer
We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at [email protected] to confirm.
We ask that you contact [email protected] only about potential instances of fraud. [email protected] does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to [email protected] directly, and your email about your application will be deleted from our systems.
Skills Required
- 8+ years of accounting experience
- Public accounting experience, Big Four or equivalent
- Experience at a public or pre-IPO company
- Deep US GAAP experience in consumer lending or fintech
- Experience with CECL, loan origination fees and costs, loan sales, securitizations, and warehouse facilities
- Experience with SEC reporting
- CPA certification
- Experience managing teams and external auditors
- Experience with a buy-now-pay-later or point-of-sale lending model
- Experience with automated close and reporting tools
- Experience with an IPO or S-1 process
Sunbit Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Sunbit and has not been reviewed or approved by Sunbit.
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Healthcare Strength — Feedback suggests the benefits package includes broad medical, dental, and vision coverage alongside related supports like life insurance and spending accounts. The overall offering is often described as solid by US tech/fintech norms, even when details vary by role.
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Retirement Support — Feedback suggests a 401(k) with company matching is part of the rewards package. This is positioned as a core, consistent element of the overall benefits offering.
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Leave & Time Off Breadth — Feedback suggests time-off benefits can be generous in some roles, including listings of unlimited PTO and paid holidays. At the same time, certain postings indicate a more traditional fixed PTO structure, implying variability by role type.
Sunbit Insights
What We Do
Sunbit is the preferred buy now, pay later technology of service providers and retailers fulfilling the needs of thousands of local communities. Sunbit eases the stress of buying everyday things by offering access to fast, fair and transparent payment options to people across the credit spectrum. Sunbit technology is offered in-store and online through more than 7,300 locations, including 1 in 4 auto dealership service centers, optical practices, dentist offices and specialty health care services. Payment options through Sunbit can be found at these establishments www.sunbit.com/shop-directory Loans are made by Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit.
Why Work With Us
Sunbit technology is used to reduce the stress from daily purchases by helping shoppers realize the full potential of their buying power while providing local businesses with tools to sell easier. With experts in machine learning, retail, and financial services, we’re trailblazing new technology that helps lenders open the door to fair financing.
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