Prudential Reporting & Banking Accountant

Are you looking to have an impact on the daily life of millions of entrepreneurs in France (and tomorrow in Europe)?

Are you looking for a work environment that values trust, proactivity, and autonomy?

Then Pennylane is the right place for you !

Our vision

We aim to become the most beloved financial Operating System of French SMEs and Accounting Firms (and soon, European ones).

We help entrepreneurs rid themselves of time-consuming tasks related to accounting and finance while providing them with access to key financial information to assist in making the best decisions for their business.

Pennylane is one of the fastest growing Fintechs in France (and soon to be in Europe!)

In 5 years of existence, we’ve managed to :

💻 Make ourselves known as a groundbreaking accounting and financial software for small businesses and their accountants

💰 Raise a total of €400 millions, including from Sequoia, the famous fund from the Silicon Valley who invested early in companies like Google, Facebook, Airbnb, Stripe, Paypal and much more...

👨‍👩‍👧‍👦 Grow from 7 cofounders to 1000 happy Pennylaners : we’re now recognized as one of the greatest places to work in France (and also remotely), with a 4.6/5 rating on Glassdoor.

🌍 Build an international environment with more than 25 nationalities, with a strong remote-friendly culture, where 30% of the employees are already working from all parts of Europe

🤝 Earn the trust of thousands of customers and accounting firms and obtain outstanding ratings

🚀 Already more than 1 300,000 small and medium-sized enterprises (SMEs) and over 6000 accounting firms use Pennylane in France!

Why is this role important for Pennylane?

Pennylane is creating Pennylane Financial Services (PFS), a subsidiary seeking ACPR authorisation as a payment institution and financing company, to serve its 1.6 million SMB customers base.

- This is a 0-to-1 role: you will lay the foundations of PFS’s accounting model, controls and reporting as the business is built.

- You ensure the reliability of PFS’s financial information, from product events and accounting entries through to financial and prudential reporting.

- You check daily that client funds are safeguarded and that PFS meets its own funds requirements and applicable prudential ratios. You flag risks early and help the Head of Finance anticipate capital needs.

You report to Maxime Leclercq, GM PFS, and functionally to @Raphaël Nahum, Head of Finance, on accounting standards and methods aligned with group finance.

How will you contribute to the project?

You build from scratch the accounting model and controls with Product and Tech, then run daily accounting until volumes justify a dedicated operator.

You own the figures and accounting decisions, and prepare the accounting-based prudential reports. You collaborate with our Regulatory Lead, who oversees reporting deadlines, completeness and reviews, the reports before submission.

Build

• Design and test payment and financing accounting schemes in the Core Banking System, the accounting interpreter, working closely with Product and Tech teams
• Document the accounting impact of each product before launch.
• Reconcile the ledger, general ledger, bank accounts and reports. Keep each reported figure traceable to its transactions.
• Set up RUBA and COREP reporting, including dry runs, with the Regulatory Lead.

Operational accounting

• Reconcile payment accounts (eg. SCT, SDD, cards, cheques) against the settlement account daily. Check safeguarding coverage, keep evidence and flag shortfalls.
• Check own funds requirements, applicable ratios and available buffers daily.
• Forecast the amount and timing of capital needs with the Head of Finance and FP&A
• Resolve and document exceptions.
• Account for doubtful receivables, provisions, write-offs and reversals.
• Prepare closing entries, reconcile intercompany balances with Pennylane SAS and support statutory closings.

Strategic contributions

• Prepare the accounting, exposure and provisioning materials for the committee that sets credit risk appetite, overall exposure and counterparty limits.
• Quantify the accounting, provisioning and capital impact of new products, pricing or volume scenarios before launch.
• Alert the Head of Finance early on capital needs, prudential constraints and standards changes (PCEC, ACPR) that affect the model.
• Work closely with Pennylane’s Accounting Manager and the FP&A team to align on definitions, key metrics, and group procedures

Profile we are looking for

📈 You'll get company shares to enjoy a piece of the success story you're building with us

🏡 You’ll have a budget to turn your home into a more comfortable workspace, as well as a monthly allowance to work from a coworking space whenever you feel like it

⛹️ Through our partner Gymlib, you’ll have access to 8000 fitness spaces in Europe and more than 300 activities related to wellness

• You can work with incomplete information and make decisions, assumptions and open questions clear.
• You document accounting decisions and are able to defend them internally and externally, including to statutory auditors and the ACPR.
• At least 6–7 years of experience, ideally in financial services audit followed by accounting in a payment institution, financing company or bank.
• Strong PCEC, doubtful receivables and provisioning knowledge.
• Able to both build the accounting model and run daily reconciliations, exceptions and closings.
• Comfortable working with incomplete information and owning accounting decisions.
• Able to query large datasets independently.
• Works well with Engineering, Product, Data, Operations and the Regulatory Lead, with clear responsibilities.
• Professional French and English: documentation and regulatory exchanges are in French; teams work in English.
• DEC or equivalent.
• SQL.
• Core banking or accounting interpreter experience.
• Experience building accounting and controls for a new entity or licensing programme.
• ACPR reporting experience (RUBA, COREP).

Recruitment Process

1. Interview (30-45 min) with Simon, Senior Recruiter

2. Interview (1h) with Maxime, General Manager and Raphaël Nahum (Head of Finance)

3. Case Study (1h30) with Raphaël, Sabrina and Maxime

4. Last round with Laurent and Felix (45 min)

What do we do to make your work life easier

🌴 Wherever you are based, you will get 25 vacations days paid by Pennylane

-To speak English (level is assessed and appreciated according to the department you’re applying to)

-To be energized by an ever-shifting work environment

-To be highly collaborative (within your team or other stakeholders)

-Sufficiently experienced to prioritize business-led actions on your day to day activity

We know that some people are less likely to apply than others, if they don’t feel like they meet the full list of criteria.

If you’re hesitating, we encourage you to apply : who knows, it might be the start of a meaningful and long-lasting collaboration.

Important information for candidates

Recruitment scam attempts are on the rise. We invite you to remain vigilant during your exchanges.

Applications through official channels only : apply exclusively through our job postings published on our official platforms (career site, official partner pages).

Always verify the sender's email address: our communications are sent from professional email addresses with the domains @pennylane.com or @pennylane-partners.com

We will never ask you for payment or financial information

(bank details, payment for an interview, equipment purchases, etc.) as part of the recruitment process. If such a request is made to you, it is fraudulent. We invite you to not respond and to report it to us immediately.

We also want to emphasize that we fully embrace diversity, equity and inclusion and that we’re doing our best to create a safe and inclusive environment.

We are committed to providing an equal employment opportunity regardless of gender, sexual orientation, origin, disabilities, or any other traits that make you who you are. If anything, diversity makes us a more fun place to work at.

🇫🇷 Données personnelles

Pennylane traite vos données pour gérer votre candidature et évaluer votre adéquation au poste. Si votre candidature n’aboutit pas, vos données peuvent être conservées 2 ans à compter de notre dernier échange ou de la clôture du recrutement afin de constituer & gérer un vivier de candidats. Vous pouvez vous opposer à tout moment et demander la suppression de vos données en écrivant à : dpo@pennylane.com.

Notre data policy

🇬🇧 Personal Data

Pennylane processes your data to manage your application and assess your suitability for the position. If your application is unsuccessful, your data may be retained for 2 years from our last exchange or the closing of the recruitment process, in order to build and manage a candidate pool. You may object at any time and request the deletion of your data by writing to dpo@pennylane.com. Learn more

🇩🇪 Personenbezogene Daten

Pennylane verarbeitet Ihre Daten, um Ihre Bewerbung zu bearbeiten und Ihre Eignung für die Stelle zu beurteilen. Sollte Ihre Bewerbung nicht erfolgreich sein, können Ihre Daten bis zu 2 Jahre ab unserem letzten Austausch oder dem Abschluss des Rekrutierungsverfahrens gespeichert werden, um einen Kandidatenpool aufzubauen und zu verwalten. Sie können jederzeit Widerspruch einlegen und die Löschung Ihrer Daten beantragen, indem Sie an dpo@pennylane.com schreiben. Mehr erfahren

🇪🇸 Datos personales

Pennylane trata sus datos para gestionar su candidatura y evaluar su idoneidad para el puesto. En caso de que su candidatura no sea seleccionada, sus datos podrán conservarse hasta 2 años a partir de nuestro último contacto o de la finalización del proceso de selección, con el fin de constituir y gestionar una reserva de candidatos. Puede oponerse en cualquier momento y solicitar la eliminación de sus datos escribiendo a dpo@pennylane.com. Más información

🏢 Depending on the teams and the requirements of the position - you'll be able to work remotely from your country of residence, as long as it is in Europe and within a maximum time difference of two hours from the CET time zone

🎉 We are committed to regularly coming together for company events such as Tech Days (which bring remote Pennylaners together every 3 months) or our annual company seminar, fostering significant moments of cohesion for everyone.

If you are based in France, you will have a French contract following French regulation on top of the additional perks : 6 to 12 RTT, 5 weeks PTOs, lunch credits (Swile), Alan Blue healthcare cover and regular events in cities where Pennylaners are mostly presents (Lyon, Bordeaux, Nantes…)

We're working on providing those last advantages to our people based outside of France as well, but it can be quite more complex depending on different countries.

Who are we looking for ?