Financial Accountant

Pentasia; Karlsruhe; Vor Ort; EUR 35.000 - 40.000; Vollzeit

Benefits dieser Stelle

Mental Well-Being Program

Discounted gym membership

Private Health Insurance

Zusammenfassung

Pentasia is seeking a Financial Accountant in Karlsruhe. This role focuses on PSP operations and cash management, requiring strong analytical skills and experience in finance. You will monitor PSP balances, perform reconciliations, and prepare cash reports.

The ideal candidate will have a Bachelor's degree in Accounting or Finance, at least 2 years of relevant experience, and proficiency in English. This opportunity offers a hybrid working arrangement and various employee benefits.

Qualifikationen

• Minimum 2 years' experience in finance or payments operations role.
• Proficient in written and spoken English.
• Experience managing email inboxes in a timely manner.

Aufgaben

• Monitor PSP balances daily and perform reconciliations.
• Prepare regular cash position reports summarizing balances.
• Manage operational email inboxes related to PSP.

Kenntnisse

PSP Operations

Cash Management

Reconciliation

MS Excel

Communication

Ausbildung

Bachelor's degree in Accounting or Finance

Tools

Xero

Aurum

Jobbeschreibung

Financial Accountant: PSP & Cash Management

Finance - Sliema, Malta (Hybrid) Salary EUR35-40K

A growing people‑first iGaming organisation on Malta is looking for a valued member of their team, a Financial Accountant.

Primary Responsibilities: PSP Operations & Analysis

• Portal fluency: Navigate the back‑office portals of all major PSPs to retrieve statements, settlement reports, and transaction‑level data without assistance.
• Daily PSP monitoring: Monitor PSP balances daily; flag PSPs requiring top‑ups or withdrawals and action or elevate accordingly.
• Reconciliation: Reconcile PSP transactions end‑to‑end using tools like Aurum; resolve breaks and aged items in a timely manner.
• Fee verification: Verify that PSP fees charged are in line with agreed commercial terms and elevate discrepancies.
• Settlement tracking: Ensure PSPs settle within agreed timeframes; follow up on delays and document outcomes.
• Monthly service‑charge reconciliation: Perform monthly reconciliation of service charges applicable to deposits and withdrawals.
• PSP inbox management: Own and manage PSP‑related email inboxes; triage, respond to, and elevate queries promptly and professionally.
• Statement downloads & filing: Download, organise, and archive PSP statements and supporting documentation on a timely basis.
• PSP KPI reporting: Prepare and distribute regular KPI dashboards covering PSP performance: transaction volumes, fee ratios, settlement timing, balance positions, and exceptions.
• New PSP onboarding: Liaise with the Payments team prior to new PSP go‑lives; clarify commercial terms, integration timelines, and fee structures ahead of first transactions.

Primary Responsibilities: Cash Management

• Daily cash monitoring: Monitor cash and e‑money balances across all PSP accounts and wallets on a daily basis.
• Payment initiation: Initiate outgoing payments (PSP top‑ups/withdrawals) via online banking portals and payment platforms, in line with authorisation controls and approval workflows.
• Cash movement tracking: Track and log all incoming and outgoing cash flows (receipts, settlements and fee deductions) ensuring every movement is accounted for and reconciled to the books.
• Cash reporting: Prepare regular cash position reports summarising balances by account and currency, flagging exceptions, low‑balance risks, or unexpected movements for management review.
• Forecast support: Assist in the preparation of short‑term cash flow forecasts; flag projected shortfalls or surplus positions in advance.
• Bank & portal access management: Maintain working knowledge of all active banking and payment portals; ensure statements and confirmations are downloaded, filed, and reconciled on schedule.
• FX awareness: Flag significant FX exposures arising from multi‑currency cash positions; support the preparation of currency conversion instructions as directed.

Secondary Responsibilities: General Accounting

• Upload PSP transactions and fees into Xero accurately and on schedule.
• Post journals and perform general bookkeeping.
• Assist with weekly payment runs.
• Prepare bi‑weekly PSP balance reports.
• Assist with audit queries, financial statement preparation, and VAT returns.
• Support daily and month‑end accounting tasks as required.
• Prepare ad‑hoc reports as requested.
• Undertake any other tasks as required by the Company from time to time.

WHO ARE YOU?

Essential

• Hands‑on PSP experience: You have worked directly with payment service providers in a finance or payments operations role; you know how PSP portals work, what to look for, and how to resolve issues.
• Cash management experience: You have monitored multi‑account cash positions, initiated and tracked payments, and produced cash reports in a fast‑moving operational environment.
• Reconciliation expertise: Proven ability to reconcile high volumes of PSP or payment transactions accurately and within SLA.
• KPI‑oriented mindset: Comfortable building and owning PSP performance reporting; you understand what the numbers mean and can communicate findings clearly.
• Inbox management discipline: Experience managing high‑volume operational email inboxes in a structured, timely manner.
• A bachelor's degree in Accounting or Finance (or equivalent professional experience).
• At least 2 years' experience in a finance or payments operations role with direct PSP experience.
• Proficiency in written and spoken English.
• Excellent command of MS Excel and/or Google Sheets.
• Strong communication and interpersonal skills.
• Positive can‑do attitude with a high degree of attention to detail.

Highly Advantageous

• Hands‑on experience with the Aurum Reconciliation Tool would be a plus.
• Experience with Xero accounting software.
• Experience managing cash across multiple entities and currencies in a group structure.
• ACCA or ACA part‑qualification, or currently studying.
• Automation mindset: experience using scripts, macros, or workflow tools to reduce manual effort.

WHAT THEY OFFER?

• HQ in Sliema, Malta with sea views.
• Hybrid working model.
• Mental Well‑Being Program.
• Friday social gatherings on the terrace.
• Team and Company events.
• Refer a Friend Bonus.
• Combination of Private Health Insurance, Dental Insurance and vouchers.
• Discounted gym membership.