Senior Loan Accountant - Loan Accounting

Figure • Full-time • Remote (Remote) • $90k - $100k / year • 21h ago

About Figure

Figure (NASDAQ: FIGR) is transforming capital markets through blockchain. We’re proving that blockchain isn’t just theory - it’s powering real products used by hundreds of thousands of consumers and institutions.

By combining blockchain’s transparency and efficiency with AI-driven automation, we’ve reimagined how loans are originated, funded, and traded in secondary markets. From faster processing times to lower costs and reduced bias, our technology is helping borrowers, investors, and financial institutions achieve better outcomes.

Together with our 170+ partners, we’ve originated over $17 billion in home equity loans (HELOCs) on our blockchain-native platform, making Figure the largest non-bank provider of home equity financing in the U.S. Figure’s ecosystem also includes YLDS, an SEC-registered yield-bearing stablecoin that operates as a tokenized money market fund, and several other products and platforms that are reshaping consumer finance and capital markets.

We’re proud to be recognized as one of Forbes’ Most Innovative Fintech Startups in 2025 and Fast Company’s Most Innovative Companies in Finance and Personal Finance.

About The Role:

Figure is seeking a driven and detail-focused Senior Accountant who is ready to make a powerful impact! In this role, you’ll maintain loan records, ensure accuracy of loan balances, reconciling general ledgers, and support financial audits. Additionally, help with automations as well as play a key part in building and refining processes as we scale at lightning speed. We’re a team of trailblazers transforming the financial services industry, and we’re looking for someone who takes ownership and pride in their work and thrives in a fast-paced, innovative environment. If you’re curious, eager to jump in, and passionate about learning, this is your chance to join an extraordinary journey at a rapidly growing startup, working alongside some of the brightest minds in Fintech!

What You'll Do:

Record journal entries related to loan activity and perform account reconciliations for a number of loan related accounts ensuring data accuracy, identifying discrepancies, and proposing solutions when needed.
Assist the Manager with workpaper and journal entry reviews and postings
Evaluate loan accounting workflows to identify opportunities for automation, efficiency, and control enhancements.
Own the monthly close process for the loan portfolio, including balance sheet and P&L accounts.
Prepare and review loan schedules and supporting reconciliations for financial reporting, management analysis, and audit purposes.
Ensure appropriate cut-off, accrual, and amortization entries are posted in accordance with GAAP.
Assist with loan-level analytics to support valuation, impairments, or repurchase requirements
Prepare and review loan schedules and supporting reconciliations for financial reporting, management analysis, and audit purposes
Develop and update accounting policies and procedures to ensure GAAP compliance and strengthen internal controls.
Own areas of the external audits by preparing and reviewing necessary documentation and leading status updates on respective areas.
Collaborate regularly with cross-functional teams to identify areas for improvement and resolve issues.
Ensure compliance with internal accounting policies and control procedures
Drive process improvement and design of automation solutions to further streamline real-time financial data for decision making.
Assist Accounting Manager with the accounting assessment and implementation for new loan products, programs, and structures, ensuring compliance with GAAP and proper system setup

What We Look For:

BA/BS in Accounting required.
4-5+ years of relevant work experience in an Loan Accounting or similar industry accounting role. Tech startup experience helpful but not required.
Proficiency in Excel required; familiarity with SAGE, Netsuite, WorkDay, Expense Management solutions preferred.
Strong understanding of US GAAP.
Excellent time management, attention to detail, and ability to work independently with minimal supervision while meeting tight deadlines.
Strong analytical skills.
Flexible and adaptable, with the ability to prioritize tasks and thrive in a fast-paced startup environment.
Proactive approach to process improvement for operational efficiency.

Salary

Compensation Range: $90,000 - $100,000/yr
25%annual bonus target, paid quarterly
Equity RSU stock package
This is the compensation range for the United States, actual compensation may vary based on individual candidate experience, location, or evolving business needs

Benefits

Comprehensive health, vision, and dental insurance with 100% employer-paid premiums for employees and their dependents on select plans
Company HSA, FSA, Dependent Care, 401k, and commuter benefits
Employer-funded life and disability insurance coverage
11 Observed Holidays & PTO plan
Up to 12 weeks paid family leave
Continuing education reimbursement

Depending on your residential location certain laws might regulate the way Figure manages applicant data. California Residents, please review our California Employee and General Workforce Privacy Notice for further information. By submitting your application, you are agreeing and acknowledging that you have read and understand the above notice.

Figure will not sponsor work visas for this position. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification form upon hire.

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