Accounting Analyst: Fintech Lending & Financial Reporting

Amartha; Jakarta Pusat; On-site; IDR 167,400,000 - 390,600,000; Full time

Job summary

Amartha is a technology-driven microfinance fintech in Jakarta that combines lending with digital financial services. We seek an Accounting Analyst to manage records, perform reconciliations, and support month-end and year-end closings while ensuring compliance with PSAK/IFRS and internal policies.

You will collaborate with stakeholders to maintain accurate financial data, improve processes, and prepare audit-ready schedules. Experience in financial services and strong Excel skills are preferred.

Qualifications

• Minimum 2 years experience in accounting/audit/finance.
• Experience in financial services, preferably P2P lending, multifinance, bank, leasing, or fintech.
• Strong understanding of PSAK/IFRS, especially financial instruments, revenue recognition, accruals, and impairment/ECL.
• Strong reconciliation skill: bank, GL, loan system, escrow, AR/AP, settlement.
• Strong Excel/Google Sheets skill: pivot, lookup, sumifs, data validation, aging, reconciliation.
• Comfortable working with high-volume transaction data.
• Able to prepare audit schedules and explain accounting treatment to auditors.
• Detail-oriented, structured, and able to meet tight monthly closing deadlines.

Responsibilities

• Monthly closing activities for lending entities and prepare journals, accruals, amortization, reclass, and adjustments.
• Handle accounting treatment for loan disbursement, repayment, outstanding principal, interest income, admin fee, platform fee, and other lending-related revenue.
• Perform daily/monthly reconciliation for bank accounts, escrow accounts, borrower/lender balances, AR/AP, settlement accounts, and suspense items.
• Support ECL calculation, loan impairment booking, write-off, recovery, and related accounting entries.
• Prepare audit schedules, supporting documents, and explanation for external auditors.
• Identify accounting gaps in lending product flow and propose control improvements.

Skills

Accounting

Audit

Finance

Reconciliation

Financial reporting

Tools

SAP

Looker

SQL

ERP

Job description

Amartha is a technology-driven microfinance fintech in Jakarta that combines lending with digital financial services. We seek an Accounting Analyst to manage records, perform reconciliations, and support month-end and year-end closings while ensuring compliance with PSAK/IFRS and internal policies.

You will collaborate with stakeholders to maintain accurate financial data, improve processes, and prepare audit-ready schedules. Experience in financial services and strong Excel skills are preferred.