Settle

About the Role: We're a high-growth fintech building our accounting function from the ground up. We're looking for a Senior Accounting Manager who combines deep technical accounting expertise with a builder's mindset - someone who doesn't just maintain the books, but actively shapes the systems, processes, and controls that will scale with the business. This is an individual contributor role on a lean team, reporting directly to the Controller. What You’ll Do: Operations - Accounts payable, accruals, and payroll end-to-end (Deel, Rippling, Brex). - 1099 preparation and vendor compliance. - Process documentation and ongoing optimization across the accounting function. Month-End Close - GL integrity, including bank and account reconciliations and close support. - Opex flux analysis and variance reporting. - Drive continuous improvement and automation of the close process. Financial Reporting and Audit - Technical accounting research and application, including drafting memos and footnotes. - Support budgeting and financial planning, with optional opportunity to expand into FP&A over time. - External audit support, including PBC list preparation and auditor requests. - Assist with GAAP Financial statement preparation and review (P&L, balance sheet, cash flow). How You Work: - Naturally curious, resourceful, and comfortable in ambiguity. You ask why, find answers when you don't know them, build from first principles, and move forward when the path isn't clearly defined. - You know what's worth automating and what isn't. You're tech-forward and comfortable using AI tools in your day-to-day work, with a clear-eyed understanding of where they add value and where they fall short. - Self-directed and collaborative. You drive workstreams end-to-end without hand-holding, and know when to bring others in. - Detail-obsessed and action-oriented. You own accuracy, balance speed with controls, and aren't afraid to roll up your sleeves on a lean team. What You’ll Need: - 7+ years of well-rounded accounting experience spanning public accounting (Big 4 or similar) and high-growth startups. - CPA required. - Deep command of core accounting processes: close, AP, accruals, amortization, GL, reconciliations, reporting, and controls. - Experience with multi-entity consolidations and intercompany accounting. - Solid understanding of revenue accounting principles (ASC 606), and loan accounting (ASC 310). - Proven experience implementing or migrating an ERP, with strong fluency in how accounting systems should be structured to scale. - Advanced Excel skills (XLOOKUPs, pivot tables); comfortable working with large datasets, data flows, and identifying root causes of discrepancies. - Experience managing or supporting financial audits as a primary contact or key contributor. Nice to Have: - SQL experience or willingness to learn. - Experience in fintech or lending. - FP&A experience (forecasting, budgeting, financial modeling). Compensation: This role has an annual starting salary range of $180,000 - $200,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to your individual skills and experience. Work Authorization: At this time, Settle is unable to sponsor or take over sponsorship of employment visas. Candidates must be authorized to work in the United States without current or future sponsorship. Benefits & Perks That We Offer: Flexible PTO, flexible and remote work culture, competitive compensation and equity, health, dental, and vision coverage for you and your dependents, 401k, HSA/FSA, and an Employee Referral Program! Our Commitment to You: At Settle we know that cultivating diversity and fostering an inclusive work environment is critical to our impact and success. We create an environment where no individual is advantaged or disadvantaged because of their background. We offer equal opportunity employment regardless of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability status, age, marital status, or protected veteran status.

About the role: We are seeking a Capital Markets Analyst/Associate to support our funding strategies, manage relationships with capital providers, and enhance external investor relations. You will assist the Senior Director of Capital Markets with live transactions, lender relationship management, and the preparation of investor presentations. This role is pivotal, involving close collaboration with various teams across Settle, including accounting, finance, risk, operations, and product and engineering. What you'll do: - Manage the day-to-day on our existing warehouse lines, including facility drawdowns, monitoring, and reporting. - Work with senior team members to manage external relationships with Settle's funding partners, investors, lawyers, rating agencies, and auditors. - Analyze and interpret the impact on various funding strategies (warehouse facilities, loan sales, and ABS securitizations) while working in the context of broader corporate goals. - Ensure accuracy and fidelity of loan and payment tapes, and month-end reporting. - Identify opportunities to streamline or automate processes to enable the company’s rapid growth. - Work cross-functionally throughout the organization to build the technology and risk infrastructure needed to support the broader capital markets function. - Serve as the capital markets partner for new product initiatives by assessing financeability and data/reporting requirements. What You’ll Need: - 2+ years of experience in investment banking, working for an ABS issuer, or with a top structured finance accounting firm. - Bachelor’s degree required. - Experience in capital-intensive fintech is a plus. - Strong blend of strategic and tactical execution skills; capable of influencing strategy while also handling detailed tasks. - Excellent communicator with a focus on building relationships and alignment, both internally and externally. - Demonstrated ability to be resourceful and thrive in dynamic, rapidly evolving environments. - Proficient in Excel with strong financial modeling skills. Compensation: This role has an annual starting salary range of $95,000 - $130,000 + bonus + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to your individual skills and experience. Work Authorization: At this time, Settle is unable to sponsor or take over sponsorship of employment visas. Candidates must be authorized to work in the United States without current or future sponsorship. Benefits & Perks That We Offer: Flexible PTO, flexible and remote work culture, competitive compensation and equity, health, dental, and vision coverage for you and your dependents, 401k, HSA/FSA, and an Employee Referral Program! Our Commitment to You: At Settle we know that cultivating diversity and fostering an inclusive work environment is critical to our impact and success. We create an environment where no individual is advantaged or disadvantaged because of their background. We offer equal opportunity employment regardless of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability status, age, marital status, or protected veteran status.

About the Role: Settle is hiring a Financial Systems Director to own the architecture and integrity of our financial data infrastructure. This is a senior individual contributor role sitting at the intersection of accounting, data engineering, and financial operations. You will be responsible for executing our month-end close automation, governing how it scales, and ensuring it holds up to audit scrutiny. You will serve as the primary owner of Settle's financial systems stack, including our CECL model, reconciliation infrastructure, and close automation tooling. You'll work directly with the Controller, Capital Markets, and Engineering to ensure that complex financial data flows are accurate, well-controlled, and defensible. This role requires someone who brings both deep accounting judgment and strong technical execution; someone who can independently evaluate a data model, identify a control gap, and write the memo to document the fix. What You’ll Do: Financial Systems Ownership - Own the design, maintenance, and continuous improvement of Settle's financial data infrastructure, including reconciliation pipelines, close automation, and reporting systems. - Serve as the primary technical owner of the CECL model and loan accounting data flows, partnering with Capital Markets and the Controller on methodology and reserve calculations. - Develop and govern the company's data schemas and accounting data tables, ensuring they support accurate, audit-ready financial reporting. - Lead evaluation and implementation of third-party tools and internal system builds that improve close efficiency and data accuracy. - Assist in the delivery of high-quality management reporting packages. Close & Reconciliation - Own the execution of automated reconciliations across bank transaction data, payment processors, internal databases, and accounting software. - Support the monthly and annual close process, including journal entries, flux analysis, and supporting schedules for revenue recognition, loan accounting, and intercompany activity. - Drive resolution of exceptions and systemic data issues — not just flagging problems, but building scalable solutions to prevent recurrence. Controls, Documentation & Audit Readiness - Develop and maintain comprehensive process documentation for all reconciliation and reporting workflows. - Partner with the Controller to ensure financial systems controls are well-designed, consistently applied, and audit-ready. - Serve as the primary systems counterpart to external auditors, preparing data and documentation across technical areas. Cross-Functional Partnership - Collaborate with Engineering, Data, and Capital Markets to translate business requirements into reliable financial infrastructure. - Influence upstream data and product decisions to ensure accounting implications are identified and addressed early. - Operate with a high degree of independence. You own this function and are expected to exercise judgment, raise risks, and drive solutions. Who You'll Need: - 7+ years of experience in accounting operations, financial systems, or data-intensive accounting roles. - Strong working knowledge of U.S. GAAP, particularly revenue recognition (ASC 606), loan accounting (ASC 310), CECL methodology, and multi-entity structures. - Experience at a Big 4 or large regional accounting firm. - Advanced SQL proficiency; ability to independently build, maintain, and audit complex queries against large datasets. - Direct experience owning reconciliation infrastructure or close automation at a fintech, lending, or financial services company. - Familiarity with NetSuite, QuickBooks; experience with AI-native ERPs is a bonus. - Demonstrated ability to produce clear, well-structured documentation including process docs, control narratives, or technical memos that hold up under audit review. - CPA required (active or inactive license accepted); Bachelor's in Accounting, Finance, or related field. - Strong “get things done” mindset. Highly autonomous, proactive, and a relentless problem solver who takes ownership and moves fast in a lean startup environment. - Collaborative builder who can zoom in and out, balancing big-picture thinking with attention to detail. Not afraid to get hands-on first to understand the problem. Prioritizes well, experiments, prototypes, and asks questions when needed. - Naturally curious with a love of learning. Doesn’t need to know everything upfront but knows where to find what’s needed. Enjoys working across accounting, systems, and operations. - Tech-forward and solutions-oriented. Understands the benefits and limitations of AI and other modern tools, with a focus on automating, streamlining, and building scalable processes. - High degree of ownership and independent judgment. Compensation: This role has an annual starting salary range of $200,000 - $220,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to your individual skills and experience. Work Authorization: At this time, Settle is unable to sponsor or take over sponsorship of employment visas. Candidates must be authorized to work in the United States without current or future sponsorship. Benefits & Perks That We Offer: Flexible PTO, flexible and remote work culture, competitive compensation and equity, health, dental, and vision coverage for you and your dependents, 401k, HSA/FSA, and an Employee Referral Program! Our Commitment to You: At Settle we know that cultivating diversity and fostering an inclusive work environment is critical to our impact and success. We create an environment where no individual is advantaged or disadvantaged because of their background. We offer equal opportunity employment regardless of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability status, age, marital status, or protected veteran status.

About the Role: The Controller owns the integrity of Settle’s financial statements. This role is responsible for leading the close, overseeing audit and compliance, strengthening internal controls, and serving as the ultimate GAAP gatekeeper across the organization. You will partner closely with Financial Systems, Strategic Finance, and Capital Markets to ensure complex accounting areas are accurate, defensible, and scalable. You will take full ownership of the integrity of the company’s financial statements, exercising independent accounting judgment and raising risks proactively. You bring startup scrappiness with institutional rigor — building structure, strengthening controls, and improving processes without slowing the business down. What You'll Do:  Financial Reporting & Close - Own the monthly and annual close process. - Prepare consolidated U.S. GAAP financial statements. - Ensure completeness and accuracy of journal entries, reconciliations, and supporting schedules. - Drive continuous improvement and automation of the close process. - Assist in the delivery of high-quality management reporting packages. Technical Accounting Oversight - Serve as the ultimate GAAP authority for the company. - Maintain deep working knowledge of complex accounting areas, including: - Lending activities (ASC 310) - CECL methodology and reserve accounting - Revenue recognition (ASC 606) - Equity and stock-based compensation (ASC 718) - Intercompany and multi-entity accounting - Provide independent accounting oversight and challenge assumptions where necessary. - Draft and/or review technical accounting memos for complex or non-routine transactions. - Act as the primary accounting counterpart to external auditors across all technical matters. Audit & Compliance - Own the annual financial statement audit from planning through issuance. - Coordinate external auditors and ensure timely, well-documented support. - Oversee tax compliance (federal, state, franchise, sales tax, 1099s) through external advisors. - Ensure completeness of documentation for financial and statutory audits. Controls, Treasury & Operations - Maintain and strengthen internal controls and accounting policies. - Oversee accounts payable, payroll, equity administration, and treasury processes. - Support debt facility reporting and covenant compliance. - Partner cross-functionally to ensure accounting implications are identified early. What You’ll Need: - 7+ years of accounting experience, including meaningful Big 4 experience. - CPA required. - Strong technical U.S. GAAP expertise. - Experience in fintech, lending, or another highly regulated environment. - Direct exposure to: - CECL and loan accounting - Revenue recognition - Stock-based compensation - Multi-entity consolidations - Bonus: experience with whole loan sale accounting  - Experience owning the audit process end-to-end. - Ability to manage while remaining hands-on. - Strong analytical skills and comfort working with large data sets. - High degree of ownership and independent judgment. Compensation: This role has an annual starting salary range of $200,000 - $230,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to your individual skills and experience. Work Authorization: At this time, Settle is unable to sponsor or take over sponsorship of employment visas. Candidates must be authorized to work in the United States without current or future sponsorship. Benefits & Perks That We Offer: Flexible PTO, flexible and remote work culture, competitive compensation and equity, health, dental, and vision coverage for you and your dependents, 401k, HSA/FSA, and an Employee Referral Program! Our Commitment to You: At Settle we know that cultivating diversity and fostering an inclusive work environment is critical to our impact and success. We create an environment where no individual is advantaged or disadvantaged because of their background. We offer equal opportunity employment regardless of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability status, age, marital status, or protected veteran status.