Senior Financial Accountant

Pepper Money UK; Makati; Hybrid; PHP 1,200,000 - 2,400,000; Full time

Benefits offered by this job

Hybrid home/office working

Medical insurance

Life insurance

Health and wellbeing support

Training and growth opportunities

Holiday leave

Job summary

Pepper Money UK is hiring a Senior Financial Accountant to join the Financial Control team in a hybrid setup. Based in Manila with UK collaboration, you will deliver accurate month-end results, maintain a strong control environment and contribute to finance transformation initiatives.

You will work on EIR/ECL calculations, IFRS 9 accounting and hedging/securitisation work, partnering with cross-border finance teams to ensure timely, audit-ready reporting.

Qualifications

• Qualified accountant (CPA/ACCA/CA or equivalent).
• Degree in Accountancy/Finance/Economics/Mathematics or related discipline.
• Post-qualification experience in banking, lending or financial institutions.
• Strong knowledge of IFRS, especially IFRS 9.
• Experience with EIR/ECL calculations and model validation.
• Month-end accounting, journal entries and reconciliations.
• Analytical mindset with ability to explain movements clearly.
• Desirable experience with data tools or automation.
• Experience in securitisation or mortgage lending is advantageous.

Responsibilities

• Prepare, review and post accurate month-end entries and journal adjustments.
• Own key accounting judgements including EIR and ECL from data to reporting.
• Run, validate, and reconcile models; explain material movements.
• Apply IFRS 9 knowledge to loan accounting and impairment.
• Support hedge accounting, securitisation and SPV accounting.
• Prepare balance sheet reconciliations and audit-ready support.
• Assist statutory/regulatory reporting and cross-border activities.
• Collaborate with UK and Manila teams to resolve issues.
• Drive controls and efficiency through automation and AI tools.

Skills

CPA/ACCA/CA

IFRS 9

EIR/ECL calculations

Month-end close

Stakeholder management

Python

Automation

Data analysis

Financial instruments

Securitisation knowledge

Education

Bachelor's degree in Accounting/Finance

Professional qualification (CPA/ACCA/CA)

Tools

Microsoft Fabric

Excel

SQL

Data pipelines

Job description

Job Description:

Location: BGC, Taguig

Shift pattern: Mid-shift – 4pm MNL to 1am MNL

Working Model: Hybrid, 3 days in the office and 2 days working from home.

Working in our dynamic, successful Finance team there has never been a better time to join Pepper Money, a specialist mortgage lender backed by a global financial institution offering first and second charge loans.

We really do believe that it's our people who are our main competitive advantage – the 'thing' that sets us apart from our competitors.

Our passion is to 'Help People Succeed'. This is at the heart of everything we do and includes our valued customers, intermediary brokers and partners as well as all of our fantastic colleagues.

We operate a hybrid working model, with a split of days being in the office and days being worked at home. Pepper Money has three offices across the UK and one office in Manila, where this role will be based.

What you will be doing

The Senior Financial Accountant will join the Financial Control team and work closely with the Finance Manager and Financial Controller to deliver accurate and timely financial results, maintain a strong control environment and support key technical accounting and finance transformation activities. Key responsibilities include:

• Prepare, review and post accurate month-end accounting entries and journal adjustments at entity and consolidated level.
• Take operational ownership of assigned key accounting judgement areas, including EIR and ECL, from source data and model execution through validation, accounting, reporting and audit support.
• Run and maintain calculations, models and control packs; reconcile outputs to source systems and the general ledger, investigate exceptions and explain material movements.
• Apply practical IFRS knowledge, particularly IFRS 9, to loan accounting, impairment, amortised cost and related financial control activities.
• Support hedge accounting, securitisation and warehouse SPV accounting, including reconciliations, schedules, disclosures and audit evidence.
• Prepare and review balance sheet reconciliations to an audit-ready standard, resolving reconciling items, aged balances and unusual movements promptly.
• Support statutory accounts, regulatory reporting, interim and year-end audits, and relevant Manila accounting, tax and compliance activities when required.
• Partner with UK and Manila Finance, Credit Risk, Treasury, Technology, Tax, Compliance, FP&A and external advisers to resolve accounting, data and reporting matters.
• Improve controls and efficiency through automation, Python, Microsoft Fabric, data tools and responsible use of AI technologies.

What we are looking for

• Qualified accountant, preferably a Philippine Certified Public Accountant (CPA), ACCA, CA or equivalent recognised professional qualification.
• Relevant degree in Accountancy, Finance, Economics, Mathematics, Data Science or a related discipline.
• Relevant post‑qualification or equivalent experience within a bank, lender or other financial institution.
• Strong practical knowledge of IFRS, particularly IFRS 9 Financial Instruments, impairment and amortised cost accounting.
• Hands‑on experience running or reviewing EIR and/or ECL calculations and models, validating results and converting outputs into accounting entries and management reporting.
• Demonstrable experience delivering month‑end financial results, journals, balance sheet reconciliations, variance analysis and audit‑quality supporting evidence.
• Strong analytical skills and the ability to investigate and clearly explain unusual movements, data issues, model exceptions and key accounting judgements.
• Confidence working with UK-based and Manila stakeholders across Finance, Credit Risk, Treasury, Technology and audit teams.
• Experience with Microsoft Fabric, Python, data pipelines, dashboards or finance automation is highly desirable.

• Experience in securitisation, mortgage lending, consumer finance, loan portfolios, shared services or a multinational environment is advantageous.

• Proactive, collaborative and organised, with the ability to take end‑to‑end ownership, challenge incomplete information and manage competing deadlines across time zones.

Some of the benefits we provide are:

• Competitive salaries and bonus schemes
• Hybrid home/office working arrangements
• Regular training and opportunities to learn and grow
• Holiday leave plus bank holidays
• Medical insurance cover
• Life insurance
• Health and wellbeing support

In return for your commitment, you'll have the chance to develop your career in a dynamic environment, working alongside top talent and an exceptional leadership team. If you want to be involved in our exciting expansion plans and have the chance to really shape and influence the way the business grows, then we'd love to hear from you.

We also want our people to feel a sense of belonging at Pepper Money. We are committed to meeting our Diversity, Equality and Inclusion charter, further information can be found on the Careers section on our website.

Requirements: