Senior Controller

Pinnacle Private Credit•New York, NY

7d•$100,000 - $200,000

About The Position

Pinnacle Private Credit is looking for a strategic, hands-on Controller to lead and scale the accounting and finance function for a high-growth Merchant Cash Advance (MCA) and Fintech business. This is not a back-office accounting role. This is a leadership seat at the table. You will own financial reporting, portfolio accounting, treasury management, compliance, and operational scalability; while partnering directly with executive leadership, underwriting, and risk teams to drive smart, data-backed decision-making. If you have deep experience in MCA revenue recognition, portfolio performance tracking, and cash flow forecasting and thrive in fast-paced, high-volume environments; this role was built for you.

Requirements

Bachelor’s degree in Accounting, Finance, or related field (required)
7+ years of progressive accounting experience
3–5+ years in financial services, fintech, alternative lending, or MCA
Proven experience managing full-cycle accounting and audits
Direct experience with receivable portfolios or lending products
Strong GAAP knowledge and financial reporting experience
Advanced proficiency in NetSuite, QuickBooks, Sage Intacct, or similar
Advanced Excel skills
Highly analytical with strong business judgment
Detail-oriented with a bias toward accuracy
Comfortable in fast-paced, high-growth environments
Strong cross-functional communicator and team leader

Nice To Haves

CPA strongly preferred
Experience with loan management or funding platforms is a strong plus

Responsibilities

Lead monthly, quarterly, and annual close processes
Prepare GAAP-compliant financial statements
Oversee full-cycle accounting operations across multiple entities
Ensure accurate accounting for MCA transactions, including:
Revenue recognition on purchased receivables
Daily remittance/repayment tracking
Charge-offs, reserves, and recoveries
Manage general ledger, reconciliations, and journal entries
Support audits and external reporting
Monitor daily liquidity, funding capacity, and entity-level cash balances
Oversee funding operations and bank relationships (including account setup)
Perform and approve ACH transactions and wires
Build cash flow forecasts tied to portfolio performance and originations
Manage multiple legal entities, including formation and financial oversight
Track and report on core MCA metrics:
Net funded volume
Yield and default rates
Loss reserves
Portfolio performance and vintage analysis
Partner with underwriting and risk teams to align accounting with credit policies
Provide leadership with actionable insights into portfolio health and performance
Maintain strong internal controls and segregation of duties
Ensure compliance with state and federal regulations impacting MCA businesses
Implement and refine accounting policies and procedures
Support audits, regulatory inquiries, and examinations
Oversee accounting systems, funding platforms, and integrations
Improve automation, reporting accuracy, and scalability
Lead system upgrades and implementations
Build, manage, and develop the accounting team
Set performance goals and provide coaching
Oversee payroll and equity program administration
Foster a high-performance, compliance-driven culture