CECL / IFRS 9 Provisioning Owner (Fintech)

TL;DR

CECL / IFRS 9 Provisioning Owner (Fintech): Leading the impairment provisioning framework under US GAAP and IFRS 9 to ensure IPO readiness and financial reporting integrity with an accent on regulatory compliance, audit management, and allowance for credit losses (ACL) calculation. Focus on designing COSO-compliant financial controls, interpreting statistical model outputs, and coordinating the Governance Committee.

Location: Worldwide. Flexible work from one of the company hubs (Mexico, Serbia, Cyprus, Spain) or remote. Relocation support to these hubs is available.

Company

A high-tech fintech company focused on challenging incumbent finance systems and scaling toward IPO readiness.

What you will do

• Lead calculation and planning of the Allowance for Credit Losses (ACL) under CECL and IFRS 9.
• Act as the primary point of contact for all audit and regulatory reviews related to impairment provisioning.
• Maintain and refine the methodological framework to ensure processes are data-driven and documented.
• Partner with IT and Internal Controls to design and operate COSO-compliant financial controls.
• Lead the CECL/IFRS 9 Governance Committee, preparing materials and recording key decisions.
• Support Financial Reporting by providing data and narratives for MD&A, 10-K, and S-1 filings.

Requirements

• Advanced English proficiency (written and verbal).
• Deep technical expertise and hands-on experience with IFRS 9 (Impairment) and CECL (ASC 326).
• Proven experience managing Allowance for Credit Losses in banking or fintech environments.
• Demonstrated success leading complex audit engagements, preferably PCAOB.
• Master’s degree in Accounting, Finance, or a related field; FRM, CPA, or ACCA certification preferred.
• Understanding of the COSO framework.

Nice to have

• Familiarity with core banking or loan accounting systems.
• Experience in the design or testing of COSO framework controls.

Culture & Benefits

• Relocation support to Mexico, Serbia, Cyprus, or Spain for the employee and their family.
• Flexible work arrangements (office or remote).
• Comprehensive healthcare coverage.
• Education budget for language lessons, professional training, and certifications.
• Wellness budget for mental health and fitness activity reimbursements.
• 20 days of annual leave and paid sick leave.