Sr. Director / VP Accounting

Better.com; New York (NY); Hybrid; USD 260,000 - 380,000; Full time

Benefits offered by this job

Medical, Dental, Vision with HSA/FSA

401(k)

Flexible PTO

Parental leave

Remote/Hybrid options

Pet insurance discounts

PerkSpot discounts

SoFi financial wellbeing

Employee assistance program

Job summary

Better Home & Finance Holding Company is seeking a Senior Director / VP of Accounting to own the completeness and accuracy of our financial records across the mortgage lifecycle. You will lead the close, drive technical accounting for mortgage banking instruments, and partner with FP&A, Engineering, Product, and Capital Markets to automate processes at scale.

This is a build role focused on speed and control, with responsibility for SEC reporting, SOX, and establishing a scalable accounting

Qualifications

• Active CPA
• 10+ years of progressive accounting experience, including time in both public accounting (Big 4 or national firm) and industry; candidates with less experience but a strong, relevant background will also be considered.
• 3+ years in mortgage banking, specialty finance, or financial services accounting, with hands-on exposure to loans held for sale, MSRs, interest rate lock commitments, hedging, and gain-on-sale
• Experience as a Controller, Assistant Controller, or Director of Accounting at an SEC registrant, with personal ownership of SEC reporting and SOX 404, not oversight from a distance
• 5+ years leading accounting teams, including managing managers
• Deep technical judgment across ASC 860, 815, 820, 825, and 718, and the confidence to take a position and defend it
• A track record of improving a function, not just running it: systems implementations, close acceleration, or automating reconciliations
• High degree of integrity, and the judgment to know which issues escalates and which ones you own
• Comfort with speed, ambiguity, and a business that changes faster than the accounting literature does

Responsibilities

• Owning the monthly, quarterly, and annual close across all legal entities, general ledger, consolidation, intercompany, and chart of accounts, and driving the cycle shorter without loosening control
• Leading technical accounting for mortgage banking instruments: loans held for sale under the fair value option, mortgage servicing rights, interest rate lock commitments, TBA and other hedge positions, and loan sale and transfer accounting under ASC 860
• Partnering with Capital Markets and Secondary on gain-on-sale, hedge results, and pair-offs, and reconciling the loan origination and servicing systems back to the general ledger at the loan level
• Managing repurchase and representation-and-warranty reserves, along with the assumptions, models, and documentation that support them
• Owning SEC reporting end to end: 10-K, 10-Q, 8-K, XBRL tagging, and support of the disclosure committee, and serving as the desk of record for Audit Committee accounting questions
• Running SOX and internal control over financial reporting: design, documentation, testing, and remediation, and acting as the primary liaison to internal audit and our external auditors
• Overseeing regulatory and counterparty reporting: agency seller/servicer net worth and liquidity requirements (Fannie Mae, Freddie Mac, Ginnie Mae), HUD/FHA audited financials, state licensing filings, NMLS Mortgage Call Reports, and warehouse and MSR facility covenant certificates
• Owning accounting for stock-based compensation and equity instruments, leases, fixed assets, payroll, accounts payable, and coordination of the income tax provision
• Writing the technical memos: new standard adoptions, financing structures, non-routine transactions, and defending those positions with our auditors
• Partnering with FP&A on budget-vs-actual reviews, forecasting, and long-range planning, so decisions are made on timely, accurate financials
• Developing and scaling the accounting team across the US and India, and setting the standard for how it operates
• Improving the speed and accuracy of the close through automation, and improving data quality at the source by partnering with Operations, Capital Markets, and Engineering

Skills

Active CPA

10+ years accounting experience

Tools

NetSuite

Workday

Oracle

SAP

Job description

Why Better. Why Now.

Better is rebuilding home finance as an AI-native platform—turning a process that once took weeks into something that can happen in seconds.

With over $110B in loans funded and $1.2B+ raised, we operate at real scale while rethinking how homeownership works from the ground up.

The category hasn’t caught up yet. That’s the opportunity.

A Better opportunity

Better is looking for a Sr. Director / VP, Accounting to own the integrity of our financial records, from loan-level accounting on the day a mortgage funds, through the consolidated financial statements we report publicly every quarter. You'll run the close, own the technical accounting for the instruments that define mortgage banking, and own the control environment that lets a company operating at our scale move quickly without ever putting the numbers at risk.

This is a build role, not a maintenance role. Mortgage accounting is hard: loans held for sale carried at fair value, mortgage servicing rights, rate lock commitments and the hedges against them, and most lenders run it on manual reconciliations and hand-built spreadsheets. We don't want to run it that way. You'll partner with FP&A, Engineering, Product, and Capital Markets to automate what should be automated, shorten the close, and build accounting systems that scale with the business.

Responsibilities

• Owning the monthly, quarterly, and annual close across all legal entities, general ledger, consolidation, intercompany, and chart of accounts, and driving the cycle shorter without loosening control
• Leading technical accounting for mortgage banking instruments: loans held for sale under the fair value option, mortgage servicing rights, interest rate lock commitments, TBA and other hedge positions, and loan sale and transfer accounting under ASC 860
• Partnering with Capital Markets and Secondary on gain-on-sale, hedge results, and pair-offs, and reconciling the loan origination and servicing systems back to the general ledger at the loan level
• Managing repurchase and representation-and-warranty reserves, along with the assumptions, models, and documentation that support them
• Owning SEC reporting end to end: 10-K, 10-Q, 8-K, XBRL tagging, and support of the disclosure committee, and serving as the desk of record for Audit Committee accounting questions
• Running SOX and internal control over financial reporting: design, documentation, testing, and remediation, and acting as the primary liaison to internal audit and our external auditors
• Overseeing regulatory and counterparty reporting: agency seller/servicer net worth and liquidity requirements (Fannie Mae, Freddie Mac, Ginnie Mae), HUD/FHA audited financials, state licensing filings, NMLS Mortgage Call Reports, and warehouse and MSR facility covenant certificates
• Owning accounting for stock-based compensation and equity instruments, leases, fixed assets, payroll, accounts payable, and coordination of the income tax provision
• Writing the technical memos: new standard adoptions, financing structures, non-routine transactions, and defending those positions with our auditors
• Partnering with FP&A on budget-vs-actual reviews, forecasting, and long-range planning, so decisions are made on timely, accurate financials
• Developing and scaling the accounting team across the US and India, and setting the standard for how it operates
• Improving the speed and accuracy of the close through automation, and improving data quality at the source by partnering with Operations, Capital Markets, and Engineering

Qualifications

• Active CPA
• 10+ years of progressive accounting experience, including time in both public accounting (Big 4 or national firm) and industry; candidates with less experience but a strong, relevant background will also be considered.
• 3+ years in mortgage banking, specialty finance, or financial services accounting, with hands-on exposure to loans held for sale, MSRs, interest rate lock commitments, hedging, and gain-on-sale
• Experience as a Controller, Assistant Controller, or Director of Accounting at an SEC registrant, with personal ownership of SEC reporting and SOX 404, not oversight from a distance
• 5+ years leading accounting teams, including managing managers
• Deep technical judgment across ASC 860, 815, 820, 825, and 718, and the confidence to take a position and defend it
• A track record of improving a function, not just running it: systems implementations, close acceleration, or automating reconciliations
• High degree of integrity, and the judgment to know which issues escalates and which ones you own
• Comfort with speed, ambiguity, and a business that changes faster than the accounting literature does

Nice to have

• Public company transition experience: IPO or de-SPAC
• ERP implementation or optimization experience (NetSuite, Workday, Oracle, SAP)
• Experience with securitizations, MSR sales or financing, or sub-servicer oversight and servicing accounting

Company Benefits

• Comprehensive medical, dental, and vision coverage, plus HSA and FSA options with employer matching contributions

• Pre-tax Dependent Care FSA, plus commuter benefits with employer matching contributions

• 401(k) retirement savings plan

• Flexible PTO program and company-paid holidays

• Paid parental leave

• Remote and hybrid work arrangement options [role dependent]

• Discounted pet insurance and additional perks

• PerkSpot employee discount program

• SoFi financial wellbeing platform with 1:1 advice

• Employee assistance program supporting mental and emotional wellbeing

By the numbers:

We've funded over $110 billion in loans (more than any other fintech in the US!)

Raised over $1.2 billion in equity capital to modernize the $15 trillion mortgage industry

Better's proprietary AI platform, Tinman®, and voice-based AI mortgage assistant, Betsy™ make us an award-winning lender:

• Banking Tech Award USA (2026): Best LendTech Solution

• Fintech Breakthrough Award (2026): Digital Mortgage Company of the Year

• NerdWallet Best of Award (2026): Best for Home Equity Loans

• Fintech Breakthrough Award 2025: Best Lending Innovation

• Yahoo! Finance (2025): Best Mortgage Lender for First-Time Homebuyers – Best for quick approval

• Yahoo! Finance (2025): Best Online Mortgage Lender

• Money Magazine (2025): Best for fast closing

• Forbes (2023): Best Online Mortgage Lender

We're building the future of home finance — and we're looking for smart, driven, ambitious innovators who are ready to tackle the most impactful work of their careers.

Disclaimer

Better Home & Finance Holding Company is an equal opportunity employer committed to fostering an inclusive and diverse environment for our employees. We are committed to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status, or any other reason protected by law.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. Better will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.