Description

Title: Senior Director of Financial Reporting

Location: In office 4 days a week

Reports To: Chief Accounting Officer

The Company:

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

The Role:

Sunbit is seeking a highly motivated and experienced Sr. Director of Financial Reporting to join our growing accounting team. This critical role will be responsible for overseeing all aspects of external reporting. In this position you will ensure that effective financial controls, policies, and procedures are established and applied to provide the company with high quality, compliant external financial reporting. This highly visible role offers a unique opportunity to meaningfully shape the future of our financial operations. The ideal candidate will have expertise in technical accounting and a deep understanding of SEC regulations.

What You’ll Own:

• Responsible for the compilation of all financial statements (monthly, quarterly, and annual), footnotes, management discussion and analysis and all other finance components of external reporting, as applicable.
• Subject matter expert on US GAAP and SEC regulations for the preparation and filing of financial statements and SEC reports for public companies.
• Lead and manage the preparation and review of SEC reports, including 10-K, 10-Q, and other required disclosures.
• Prepare technical accounting memos and analysis as needed.
• Interpret and implement new technical accounting standards and assess their impact on the company's financial statements.
• Oversee the fair value accounting processes, ensuring accurate and compliant valuations of financial instruments and other assets.
• Work with external auditors on requests for assistance; prepare schedules, as necessary.
• Develop and maintain robust internal controls over financial reporting, with a focus on SOX 404 compliance.
• Implement a dedicated software platform for financial and SEC reporting.
• Build, manage and mentor a team of financial reporting professionals.
• Drive collaborative and proactive relationships with key stakeholders, including key constituents such as FP&A, Capital Markets, Legal & Compliance, and Data departments.

Requirements

What You’ll Bring:

• Bachelor’s degree in accounting, finance, or economics
• Certified Public Accountant with in-depth knowledge of US GAAP
• 12+ years of progressive technical accounting and reporting experience, including auditing experience with a major public accounting firm and at least 3+ years of SEC reporting experience.
• Pre-IPO/private company experience is essential, with demonstrated success in building scalable reporting and compliance processes.
• Fintech, consumer finance, or financial institution industry experience
• Strong background in SEC reporting, including preparation of public company filings (10-Ks, 10-Qs, 8-Ks) and registration statements (S-1)
• Demonstrated ability to research, interpret, and apply complex technical accounting standards.
• Thorough knowledge of fair value accounting principles and methodologies and disclosure requirements
• Experience in SOX control execution/documentation
• Strong leadership and communication skills, with the ability to effectively interact with all levels of the organization.
• Experience with the CECL accounting standard is a plus.
• Experience with ERP systems (such as NetSuite) is a plus.
• Demonstrated excellent written and verbal communication skills.
• Ability to work effectively in a fast-paced, dynamic environment.
• Strong work ethic, attention to detail, and a commitment to excellence

Why Choose Sunbit?

Sunbit is recognized as one of the fastest growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and FinTech Breakthrough for its innovation and impact. The company has also been featured among Newsweek’s Most Loved Workplaces and CB Insights’ Unicorn Companies, reflecting a valuation of $1.1B.

People choose Sunbit for its people-first culture rooted in service, inclusion, and real-world impact. Powered by AI that helps people in life’s critical moments—offering high approvals, speed, and zero fees—Sunbit has achieved proven scale across tens of thousands of merchants and millions of transactions. Its fast, fair, and simple financial products empower consumers and partners alike through clarity and trust.

The Perks:

• Mission driven, empowered, and collaborative culture
• Competitive pay and stock options
• Unlimited PTO
• Comprehensive health benefits (Medical, Dental, Vision, Life, EAP, Parental Leave, HSA, & more)
• Newly added HSA and Pet Insurance
• 401(k) with company match
• Cell Phone Stipend
• Team-based strategic planning and ownership of deliverables

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.

Recruitment Fraud Disclaimer

We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at [email protected] to confirm.

We ask that you contact [email protected] only about potential instances of fraud. [email protected] does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to [email protected] directly, and your email about your application will be deleted from our systems.