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) 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

Must-have:

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.

Nice-to-have:

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

💵 You’ll have a competitive compensation package

📈 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’ll get the latest Apple equipment

🏢 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 ?

To thrive at Pennylane, you need :

-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 le