Senior Director of Financial Reporting

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  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. 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 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.

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.

• 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.

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…