CECL / IFRS 9 Provisioning Owner

Plata Card; Osnabrück; Hybrid; EUR 110.000 - 150.000; Vollzeit

Benefits dieser Stelle

Relocation support to hubs

Flexible work

Healthcare coverage

Education budget

Wellness budget

Vacation policy: 20 days

Zusammenfassung

Plata Card is seeking a highly technical risk professional to lead our CECL and IFRS 9 impairment provisioning within Integrated Risk Management, a pivotal role for IPO readiness and financial reporting integrity. You will own end-to-end provision processes, collaborate with Finance, Risk, IT, and Modeling, and ensure robust, transparent, and auditable estimates communicated to stakeholders.

The role emphasizes seniority, ownership, and resilience in a fast-paced fintech environment, with

Qualifikationen

• Advanced English proficiency (written and verbal).
• Master's degree in Accounting, Finance, or related field.
• FRM, CPA, ACCA or equivalent certifications preferred.
• Deep technical expertise with IFRS 9 (Impairment) and CECL (ASC 326).
• Proven experience managing or reviewing Allowance for Credit Losses in banking or fintech environments.
• Demonstrated success leading or supporting complex audit engagements (PCAOB preferred).
• Understanding of the COSO framework; experience in design or testing is a plus.
• Familiarity with core banking or loan accounting systems is a plus.

Aufgaben

• Lead calculation and planning of the Allowance for Credit Losses (ACL) under CECL and IFRS 9, ensuring accuracy, consistency, and compliance with accounting and regulatory standards.
• Act as the primary point of contact for all audit and regulatory reviews related to impairment provisioning; clearly communicate methodologies, assumptions, and results to internal and external stakeholders.
• Maintain and continuously refine the methodological framework to ensure processes are data-driven, transparent, and fully documented.
• Partner with IT and Internal Controls teams to design, implement, document, and operate key financial controls supporting the COSO-compliant impairment process.
• Lead the CECL/IFRS 9 Governance Committee, preparing materials, presenting results, and ensuring key decisions and approvals are formally recorded.
• Support Financial Reporting by providing data, disclosures, and narrative (e.g., MD&A, 10-K, S-1).
• Collaborate closely with the modeling team to interpret statistical model outputs and translate them into a clear, defensible business narrative for senior management and auditors.

Kenntnisse

IFRS 9 (Impairment)

CECL (ASC 326)

Audit management

Regulatory compliance

Ausbildung

Master's degree in Accounting/Finance

FRM

CPA

ACCA

Jobbeschreibung

We are seeking a highly technical and resilient professional to lead our CECL and IFRS 9 provisioning framework within the Integrated Risk Management team. This role is central to our IPO readiness and financial reporting integrity. The ideal candidate will own and continuously enhance the end-to-end impairment provisioning process under both US GAAP (CECL) and IFRS 9, ensuring that our financial statements remain robust, transparent, and audit-ready.
This position works closely with Finance and Risk teams to ensure the accuracy, defensibility, and clear communication of one of the company's most material accounting estimates. The role directly contributes to investor confidence and the company's readiness for public reporting.
You’ll play a key role in shaping the company’s financial integrity as we scale toward IPO readiness, working alongside a world-class team of finance, risk, and data professionals in a fast-paced, high-impact environment.

Challenges that await you** :**

• Lead calculation and planning of the Allowance for Credit Losses (ACL) under CECL and IFRS 9, ensuring accuracy, consistency, and compliance with accounting and regulatory standards
• Act as the primary point of contact for all audit and regulatory reviews related to impairment provisioning; clearly communicate methodologies, assumptions, and results to internal and external stakeholders
• Maintain and continuously refine the methodological framework to ensure processes are data-driven, transparent, and fully documented
• Partner with IT and Internal Controls teams to design, implement, document, and operate key financial controls supporting the COSO-compliant impairment process
• Lead the CECL/IFRS 9 Governance Committee, preparing materials, presenting results, and ensuring key decisions and approvals are formally recorded
• Support Financial Reporting by providing data, disclosures, and narrative (e.g., MD&A, 10-K, S-1)
• Collaborate closely with the modeling team to interpret statistical model outputs and translate them into a clear, defensible business narrative for senior management and auditors.

What makes you a great fit** :**

• Advanced English proficiency (written and verbal)
• Master's degree in Accounting, Finance, or a related field; FRM, CPA, ACCA, or equivalent certification preferred
• Deep technical expertise and hands-on experience with IFRS 9 (Impairment) and CECL (ASC 326)
• Proven experience managing or reviewing Allowance for Credit Losses in banking or fintech environments
• Demonstrated success leading or supporting complex audit engagements (PCAOB preferred)
• Exceptional analytical and communication skills, with the ability to translate complex model results into clear business insights
• High degree of ownership, accountability, and resilience under tight deadlines (e.g., IPO or quarterly close cycles)
• Understanding of the COSO framework; experience in design or testing is a plus
• Familiarity with core banking or loan accounting systems is a plus

Our ways of working** :**

• Innovative Spirit : a commitment to creativity and groundbreaking solutions
• Honest Feedback: valuing open, transparent communication
• Supportive Team: a strong, collaborative community
• Celebrating Achievements: recognizing our wins together
• High-Tech Environment: a team full of smart and revolutionary people who date to challenge the status quo of incumbent finances

Our benefits** :**

• Relocation support to one of our hubs — Mexico, Serbia, Cyprus, Spain — with assistance for the employee and their family
• Flexible work from one of our offices or remote
• Healthcare Coverage
• Education Budget: Language lessons, professional training and certifications
• Wellness Budget: Mental health and fitness activity reimbursements
• Vacation policy: 20 days of annual leave and paid sick leave.