Financial Controller - LATAM Consumer Credit FinTech

Financial Controller - LATAM Consumer Credit FinTech The Role We're hiring a Corporate Controller to own the integrity of Aplazo's books, close, reporting, and financial controls across the full group — operating entity, holdco, and securitization/warehouse SPVs. You'll run accounting, tax, technical accounting, payment ops accounting, financial systems, and controls, and act as the CFO's right hand on audit, capital markets, regulatory, and IPO readiness. This is a hands-on leadership role for someone who has built and scaled a finance function in consumer lending or fintech, can speak the language of Risk and Capital Markets, and is actively using AI and automation to modernize how the close works. What You'll Own Close, Consolidation & Reporting - Monthly, quarterly, and annual close across all entities — operating co, holdco, trusts, and SPVs — with multi-entity, multi-currency consolidation. - Consolidated financials under US GAAP and Mexican GAAP (NIF), including the walk between them. - Management reporting for CFO, CEO, board, and audit committee; lender, trustee, and investor reporting packs. - Technical accounting memos and policies for new products, transactions, and standards adoption. Credit, Lending & Revenue Accounting - Loan accounting end-to-end: origination, EIR, fees, interest accrual, modifications, servicing, charge-offs, recoveries. - CECL / ASC 326 allowance methodology, governance, and documentation — co-owned with Risk. - Securitization and transfer accounting (ASC 860), VIE consolidation analysis, and warehouse facility accounting. - Revenue recognition across merchant fees, MDR, interchange, late fees, and ancillary products (ASC 606). Tax - Mexican tax compliance: ISR, IVA, transfer pricing, CFDIs, informative returns, and SAT audits and inquiries. - Tax coordination for the holdco and international structuring. - ASC 740 income tax provision, deferred taxes, and uncertain tax positions. - Reporting fiscal results and maintaining relationships with external tax advisors. Treasury, Capital Markets & Investor Reporting - Accounting and reporting for warehouse facilities, securitizations, corporate debt, and any equity instruments. - Covenant calculations and lender reporting; trustee and servicer reports. - FX and interest rate hedge accounting; cash accounting across entities. - Finance workstream for capital raises, debt facilities, and M&A — diligence, data room, technical accounting. Regulatory & Statutory - CNBV, Condusef, and other regulatory reporting requirements applicable to our regulated entities. - Statutory financial statements - Coordination with Legal and Compliance on entity structure, intercompany flows, and regulatory exams. Payment Operations Accounting - Daily reconciliation of customer collections and merchant settlements to the GL. - Chargebacks, refunds, fraud loss, and merchant reserve accounting. - Partnership with Payment Ops, Engineering, and Product on ledger design and new payment flows. Controls, Audit & IPO Readiness - Design and operate a SOX-ready ICFR environment; build the control library, evidence, and governance cadence. - Own external audit (Big 4) end-to-end, statutory audits, warehouse lender audits, and SOC coordination. - Drive IPO-readiness workstreams on technical accounting, disclosure, and segment reporting as the company scales. Operational Finance - AP, payroll accounting, procurement controls, T&E policy, and vendor master governance. - Intercompany policies and settlement. - Capitalized software, fixed assets, and leases (ASC 842). Systems, Data & AI - Own the finance tech stack: ERP (NetSuite or equivalent), close automation, subledgers, and the finance data warehouse. - Partner with Data and Engineering on finance data quality, ledger integrations, and reporting automation. - Modernize the close and reporting using AI tools, automations, and agents — measurable improvements to speed, accuracy, and insight. ... (truncated, view full listing at source)