Director, Loan Accounting

Job Description

Job Description

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 $22 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 hiring a Director, Loan Accounting to lead accounting across loan related products, including Figure Connect and tokenized financial products. You'll own core close processes, build scalable infrastructure, and partner cross-functionally to support a rapidly growing, blockchain-enabled platform.

This is a high-ownership role with direct responsibility for people, processes, and systems at the intersection of traditional finance and digital assets.

What You'll Do

• Take full accountability for month-end close across loan accounting, this means owning the outcome, not just overseeing the process.
• Prepare and deliver clear and concise reporting on close status, open items and risk areas to the Controller, escalating issues proactively with recommended solutions.
• Oversee accounting for loan origination, servicing, and sales with meticulous attention to accuracy and completeness.
• Accountable for the accuracy, completeness and timeliness of financial statements, ensure all loan positions are well supported and audit ready documentation at every close.
• Design accounting frameworks and policies that are built to scale, anticipating the needs of a growing business, not just solving for today.
• Partner with Technical Accounting to establish and maintain policies and controls that hold up under audit and regulatory scrutiny.
• Support new product launches by thinking through the full accounting lifecycle from day one, so that downstream processes are clean and defensible from the start.
• Identify risks and opportunities in our accounting infrastructure before they become problems, and develop a roadmap to address them.
• Serve as the primary accounting liaison to Product and Engineering on new product launches, evaluating accounting implications from inception and ensuring loan product flows are accurately reflected in the ledger from day one.
• Manage and grow a high-performing accounting team, setting clear expectations and holding people accountable with both directness and care.
• Leverage large, complex data sets to investigate and resolve reconciliation variances, driving root cause analysis and implementing long term solutions.
• Work with the Director of Internal Controls on design, documentation, and ongoing monitoring of SOX controls across loan accounting processes to ensure control effectiveness and audit readiness.

What We Look For

• 10+ years of progressive accounting experience, including at least 5 years in a people management role - ideally in fintech, loan accounting, or a high-growth environment.
• Deep knowledge of GAAP financial reporting, loan accounting, and reconciliation management at scale.
• Demonstrated experience designing and improving accounting systems and workflows, not just operating within them.
• Strong analytical skills with demonstrated ability to work through large data sets to resolve complex reconciliation variances.
• Exposure to digital assets, crypto, or blockchain-based systems preferred but not required.
• Experience with SOX compliance, including maintaining controls in a public company or pre-IPO environment.
• Strong written and verbal communication skills, with a track record of reporting financial status and risk clearly to Controllers, CFO or equivalent management.
• Experience Collaborating directly with Product and Engineering teams, with the ability to translate accounting requirements into system and operational design.
• Adhere to all company security policies and data handling procedures.
• Complete mandatory security awareness training within required timeframes.
• Promptly report any suspected security incidents or suspicious activity to the Security team.

Salary

• Base Compensation Range: $152,000 - $228,000/yr
• 25% annual bonus target, paid quarterly
• Company equity in the form of RSUs

This is the compensation range for the role in the United States. Actual compensation may vary based on a candidate's experience, skills, location, internal equity, and evolving business needs. While most offers are generally made within the middle of the range, final compensation is determined based on the factors above.

Benefits

• Comprehensive medical, dental, and vision coverage, with 100% employer-paid premiums for employees and their dependents on select plans
• Company HSA, FSA, Dependent Care FSA, 401(k), and commuter benefits
• Employer-paid life and disability insurance
• 11 observed holidays and PTO plan
• Up to 12 weeks of 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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