Prudential Reporting & Banking Accountant H/F

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.   About us 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. You would be a great fit if: • 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. What will your day-to-day responsibilities be? 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) a