We are looking for an analytical, technically-driven Financial Operations & Reporting Manager with strong SQL, advanced Excel, and an AI-first mindset (Claude, Gemini). In this role, you will take full ownership of the transactional data pipelines, reconcile high-volume payment flows, and lead the preparation of executive managerial and financial reporting packages.
This is not a traditional corporate accounting role. You will act as the financial engine of the company—managing complex funds flows, querying raw transaction databases, building scalable Excel models, and leveraging AI tools to automate workflows between our core payment platform and the General Ledger.
Managerial Reporting & Unit Economics:
Design, build, and maintain dynamic monthly managerial reporting packs tracking net revenue, interchange fees, scheme fee invoices (Visa/Mastercard), processor margins, and merchant-level unit economics.
Formulate financial KPIs, variance models, and profitability analyses to drive strategic decisions for leadership.
SQL-Driven Data Extraction & Query Optimization:
Write, maintain, and audit complex SQL queries across relational databases and payment gateways.
Query raw transaction logs directly to investigate settlement variances, volume anomalies, and currency conversions.
Financial Modeling & Advanced Excel Engineering:
Build and manage robust Excel architectures utilizing Power Query, dynamic arrays, complex lookups, and automated data pipelines to ingest external processor and partner reports.
Structure balance sheet schedules, accrued fee models, and transit account reconciliations.
AI-Assisted Workflow Automation (Claude, Gemini):
Actively leverage modern AI assistants (Claude, Gemini) as daily force multipliers to write and debug SQL queries, generate automation scripts (VBA/Power Query), troubleshoot reconciliation breaks, and optimize reporting structures.
Payment Reconciliation (Acquiring & Issuing):
Manage end-to-end multi-way reconciliations across internal core ledgers, processor raw files, card schemes, banking partner statements, and settlement accounts.
Reconcile gross-to-net merchant payouts, rolling reserves, refunds, chargebacks, and scheme fee billings.
Establish the accounting and settlement reconciliation workflows for our upcoming Card Issuing product.
Month-End Closing & Safeguarding Compliance:
Reconcile transit, clearing, and suspense accounts to ensure full ledger integrity before month-end closing.
Prepare and oversee regulatory safeguarding reconciliations in compliance with BNB requirements.
Proven Technical Foundation: Strong practical experience querying relational databases (SQL) using multi-table joins, subqueries, and window functions over high-volume transactional data.
Advanced Excel Capabilities: True power-user proficiency (Power Query, advanced dynamic formulas, handling large flat files without breaking).
AI-Native Mindset (Claude, Gemini): A demonstrated habit of leveraging modern LLMs to accelerate problem-solving, code generation, data manipulation, and documentation.
Accounting & Financial Expertise: Strong conceptual grasp of double-entry bookkeeping, clearing/transit accounts, revenue recognition, accruals, and balance sheet integrity. University degree in Finance, Accounting, Economics, or practical equivalent.
Managerial Reporting Acumen: Demonstrated ability to translate complex raw transaction datasets into executive-level financial reports and insights.
FinTech / Payments Background: Practical exposure to Payment Institutions, Electronic Money Institutions, FinTech processors, or transactional banking. Thorough understanding of transaction lifecycles (Auth Clear Settle) and interchange models.
High Agency & Autonomy: Ability to manage deliverables end-to-end, identify root causes of financial breaks, and implement permanent systemic solutions.
Language: Professional working proficiency in English (B2+).
Experience handling both Acquiring and Issuing transactional flows.
Direct experience defining automated GL mapping rules for ERP or core-banking software.
Familiarity with card scheme clearing file formats (Visa Base II / Mastercard IPM/EPA) and BNB regulatory reporting.
Competitive salary with performance-based bonuses;
Flexible hybrid work model with a cozy office in Sofia, Bulgaria;
Additional social benefits (additional health insurance, and fully funded MultiSport card);
Opportunity to join a new Payment Institution business;
Mentorship program and personalized career development plan;
Technical autonomy to influence automation architecture, test strategy, tooling, and quality processes;
Regular networking events and team-building activities;
A dynamic and diverse team of dedicated professionals, committed to creating cutting-edge products;
Supportive and welcoming company culture.