Controller

Idea Financial; Miami (FL); On-site; USD 120,000 - 180,000; Full time

Job summary

Idea Financial, a fast-growing lending platform in the US, is seeking a hands-on Controller to lead all financial operations, reporting, and compliance across the organization. You will oversee accounting, loan accounting, cash management, and annual audits, prepare statements, and support strategic decision-making with rigorous financial analysis.

This role suits a proactive leader with lending/financial services experience who thrives in a fast-paced environment and can drive process

Qualifications

• Bachelor’s degree in Accounting, Finance, or related field; CPA preferred.

Responsibilities

• Oversee accounting operations: general ledger, revenue recognition, loan accounting, and expense management.
• Prepare monthly, quarterly, and annual financial statements, including reporting to credit financing partners.
• Oversee consolidation and intercompany transactions across multiple entities, including monthly close journal entries.
• Develop and manage budgets, forecasts, and cash flow analysis.
• Oversee the Accounting Manager in accounts payable, receivable, bank reconciliations, and general ledger management.
• Manage the entity listing, including creating new entities as needed, preparing annual state filings.
• Ensure compliance with US GAAP and regulatory requirements.
• Monitor and record loan originations, repayments, interest accruals, and servicing income.
• Manage reconciliations of loan activity with custodians, fund administrators, credit warehouse, servicers, and internal systems.
• Manage bank accounts and liquidity across entities daily, including opening new bank accounts as needed.
• Approve ACH/wires, manage cash flows between entities, and ensure proper use of funds across SPVs and conduits.
• Maintain banking relationships and monitor covenant compliance as applicable.
• Serve as primary liaison with external auditors and tax preparers.
• Prepare audit and tax workpapers, and support annual financial statement audits and tax return filings.
• Assist in regulatory reporting
• Implement and improve accounting and operational systems and controls.
• Help scale the finance function as the firm grows, including potential onboarding of junior staff or third-party support.
• Various ad-hoc activities and projects, as needed.
• Support HR and payroll processing.

Skills

Detail-oriented

Team player

Independent worker

Education

Bachelor’s degree in Accounting, Finance, or related field

CPA preferred

Tools

QuickBooks

NetSuite

Excel

Fund accounting systems

Job description

We are a fast-growing lending platform focused on providing flexible and innovative credit solutions to SMEs in the US. Our portfolio encompasses a range of small business financing and specialty lending products. As we continue to scale, we are seeking a results-driven Controller to lead all aspects of financial operations, reporting, and compliance. The Controller will oversee the accounting function, ensure the accuracy and integrity of financial reporting, and support strategic decision-making through financial analysis. This role is ideal for a hands-on leader with experience in lending, loan accounting, or financial services.

This individual will be responsible not only for managing the day-to-day financial functions but also for supporting the business with a wide range of ad hoc projects. This role is ideal for someone who enjoys variety in their work, thrives in a fast-paced environment, and is comfortable taking initiative to get things done.

Key Responsibilities:

• Oversee all accounting operations, including general ledger, revenue recognition, loan accounting, and expense management.
• Prepare and review monthly, quarterly, and annual financial statements, including quarterly and annual reporting to credit financing partners.
• Oversee consolidation and intercompany transactions across multiple entities, including monthly close journal entries.
• Develop and manage budgets, forecasts, and cash flow analysis.
• Oversee the Accounting Manager in accounts payable, receivable, bank reconciliations, and general ledger management.
• Manage the entity listing, including creating new entities as needed, preparing annual state filings, and other related tasks.
• Ensure compliance with US GAAP and relevant regulatory requirements.

Loan & Investment Operations

• Monitor and record loan originations, repayments, interest accruals, and servicing income.
• Manage reconciliations of loan activity with custodians, fund administrators, credit warehouse, servicers, and internal systems.

Treasury & Cash Management

• Manage bank accounts and liquidity across entities daily, including the opening of new bank accounts as needed.
• Approve ACH/wires, manage cash flows between entities, and ensure proper use of funds across SPVs and conduits.
• Maintain banking relationships and monitor covenant compliance as applicable.

Audit, Tax, and Compliance

• Serve as primary liaison with external auditors and tax preparers.
• Prepare audit and tax workpapers, and support annual financial statement audits and tax return filings.
• Assist in regulatory reporting

Systems & Process Improvement

• Implement and improve accounting and operational systems and controls.
• Help scale the finance function as the firm grows, including potential onboarding of junior staff or third-party support.

Ad Hoc Activities

• Various ad-hoc activities and projects, as needed.
• Support HR and payroll processing.

Qualifications:

• Bachelor’s degree in Accounting, Finance, or related field; CPA preferred.
• 7+ years of accounting experience, ideally with exposure to private credit, investment funds, or structured finance.
• Experience working in a small company or start-up environment preferred.
• Proficiency in QuickBooks, NetSuite, Excel, and familiarity with fund accounting systems or loan servicing platforms.
• Detail-oriented, proactive, and capable of working independently in a fast-paced environment.
• Team player, roll up the sleeves mentality.