​​Senior Financial Analyst – Revenue Streams

The Financial General Ledger (FGL) team sits at the strategic core of SumUp's financial operations. We're not your typical accounting team , we own the financial integrity of SumUp's core business, ensuring every euro of revenue and cost from our lending, payments, and merchant banking products is accurately captured and analyzed.

As SumUp scales exponentially, lending volumes growing 7x, Merchant Bank doubling, PSP transactions up 20% YoY, our work has evolved into a highly analytical, data-driven function. We combine deep accounting knowledge with SQL queries, AI-assisted reconciliation tools, and advanced data analytics to understand not just what was recorded, but why and how our business operates financially. This is analytical accounting at its core you'll analyze product mechanics, trace complex payment flows, and use technology to automate routine work, freeing you to focus on the analytical challenges that matter.

This senior role is the technical anchor of the FGL team: you'll drive reconciliation quality, solve the toughest accounting puzzles, mentor junior teammates, and shape how we scale our processes intelligently.

What you'll do

Own complex, high-impact reconciliations

• Reconcile core revenue streams including acquirer settlements, chargebacks, and merchant payables,identifying root causes of mismatches between automated system postings and actual cash flows
• Review and oversee postings and bank reconciliation work completed by junior accountants, ensuring
• accuracy, completeness, and audit-ready documentation
• Build and maintain a structured tracking log for open reconciling items, with clear resolution timelines and
• root-cause analysis

Ensure technical accounting accuracy across products

• Record processing fee accruals and resolve settlement and funding mismatches
• Apply IFRS 9 revenue recognition standards to lending and payments activity
• Understand product mechanics and payment flows to determine proper accounting treatment for each
• revenue stream

Elevate team quality and capability

• Provide clear, constructive feedback on junior accountants' work, raising team standards
• Coach team members on complex reconciliation techniques and accounting judgment calls
• Foster a culture of curiosity, precision, and continuous improvements

Drive process improvement and controls

• Identify opportunities to reduce manual activity through automation and system integrations, without losing analytical rigor
• Work with data and technology tools to enhance reconciliation efficiency (experience with SQL or willingness to learn is a plus)
• Support the implementation and documentation of our Internal Controls over Financial Reporting (ICFR) framework

You'll be great for this role if…

You have solid accounting foundations with an analytical mindset

• Strong reconciliation, general ledger management, and IFRS financial reporting experience gained in an international company
• Proven ability to manage and critically evaluate high volumes of data, spotting patterns and pinpointing root causes

You're a natural problem-solver who thrives on complexity

• You don't just want the numbers to balance, you want to understand why discrepancies happen and how to prevent them
• Ability to reduce unexplained differences through systematic analysis and root-cause investigation

You can lead through influence and coaching

• Experience reviewing and coaching others' work, with communication skills to give clear, constructive feedback
• Ability to explain complex accounting issues clearly to non-finance stakeholders and escalate facts and impact when needed

You're comfortable with data and open to learning new tools

• Strong Excel skills (pivots, VLOOKUPs, SUMIFs and beyond)
• Comfort navigating multiple data systems and an appetite for process improvement
• Experience with SQL, data analytics tools, or AI-assisted automation is a plus — but curiosity and willingness to learn matter more than current technical skills

• 🌍 Opportunity to work with SumUppers globally on large-scale fintech products used by millions of businesses worldwide, from our modern Sofia office. This involves an office-first set up
• 🌈 Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced
• 🚀 Enrolment onto our Virtual Stock Option programme: you will own a stake in SumUp's future success
• 📚 A dedicated annual L&D budget of €2000 for your individual development, which you can use to attend conferences and/or advancing your career through further education
• 🏖 Generous time off: 25 days of paid leave, plus one extra day per year of service (up to 35), along with public holidays and special leave options
• 🏥 Peace of mind: comprehensive health and life insurance — includes dental coverage
• 💪 Stay active: on-site yoga and a co-sponsored Multisport card offering access to hundreds of sports facilities
• 🍽 Meal support: benefit from a tax-free food voucher program plus flexibility via our Re:Benefits platform
• 🚌 Easy commute: free shuttle buses connecting directly to Joliot-Curie metro station
• 🌴 Break4me: 1-month sabbatical after 3 years of service
• 🔗 Referral Bonus: earn additional rewards by referring talented individuals to join the SumUp team
• 10 days educational leave
• ACCA Certification support

Job Application Tip

We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.