Banking Accounting Manager

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About the role

🧡 About Alma At Alma, we believe sustainable commerce depends on fair, well-balanced trade. Because finance plays a pivotal role in business, our mission is to put it back in its rightful place — serving merchants and consumers. Our installment and deferred payment solutions help merchants boost sales by 20% or more, increase customer loyalty, and deliver a seamless shopping experience — without encouraging bad debt. As the buy now pay later leader in France and active in 10 European countries, we've empowered over +25,000 merchants and 10 million consumers. With 380+ Almakers and €100M+ ARR in 2025, Alma is scaling rapidly across Europe as a member of the Next40, and we're just getting started! 👐 About the team Alma is a lender. We originate several million consumer receivables a year, carry them for a few weeks, and refinance them off a deliberately light balance sheet through securitization vehicles (Fonds Communs de Titrisation) and our other funding lines. We are regulated as a société de financement and a payment institution. That changes what "accounting" means here. A lender's accounts are not a monthly deliverable produced at the end of a chain: they are the chain . Every payment event, every commission, every provision, every sale of receivables to an FCT has to become a journal entry that ties — to the transaction underneath it, to the general ledger above it, and to the prudential statements the regulator reads. At our scale and growth, this is a strategic topic, and one that is as much about data as it is about accounting. Today the chain exists: an internal core banking ledger we built ourselves, feeding NetSuite, feeding regulatory reporting. What it does not have is a single owner who understands it end-to-end, holds it to the standard a regulated lender needs, and evolves it as the business changes (geographies, products, licenses). That is the role we are opening. You will join an Accounting team inside a Finance organization of ~15 people covering Strategic Financing, FP&A, Accounting, Regulatory reporting and Controlling. You will report to the Head of Financing & Accounting, alongside the Financing team and the General Accounting Manager, who oversees corporate cycles, tax, statutory and consolidated accounts. This is a role with unusual ownership for its level: the banking accounting scope is yours from day one, and so is the data chain that produces it. 💼 About the job Own the accounting of the credit business: • Own how the portfolio is represented in the books: origination, revenue recognition on merchant and customer commissions, deferred income, write-offs and recoveries, cost of risk and provisioning on performing and non-performing exposures. • Own the accounting of our securitizations: sales of receivables to the FCTs, derecognition, discount and over-collateralisation, residual interests, servicing and management fees, hedging. • Own the accounting of our funding: corporate debt, commercial paper, and the new funding instruments we add as the refinancing strategy evolves. Own the core banking ledger: • Be the functional owner of the engine that turns business events into accounting: which event, which account, which currency, which date, which counterparty. • Specify and validate the accounting schemes for every new product, partner and geography, and work with Engineering and Data on the ledger's model, its feed into the ERP, and the fixes when something drifts. • Own the audit trail end-to-end — from a single €40 installment to a line in a prudential statement — and make it documented enough to be walked through by someone whose job is to challenge it. Reinforce the control framework: • Design and automate the reconciliations that hold the whole thing together: ledger ↔ gene

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