Location: Australia

Finance Manager

About ArborKnot:

ArborKnot is a fintech operating at the cutting edge of non-performing loan (NPL) investing. We acquire, fund and manage consumer debt portfolios across Australia and Europe, combining proprietary pricing and collection-curve modelling with institutional warehouse funding to generate returns traditional debt purchasers can’t access.

The group spans Australia, Europe, and Israel, with a portfolio of purchased loan books held across multiple funding trusts and backed by institutional investors. Collections have grown strongly over the past twelve months, and we have further portfolio acquisitions and various fundraising activity underway.

We are small, fast-moving and commercially driven. Decisions get made quickly and people get genuine ownership of their work.

Role Summary:

We are building our finance function in-house. A significant portion of our accounting and finance operations currently sits with an external provider, and this role will progressively bring that work inside the business — starting with the core operational cycle and expanding from there.

This is a genuine build role, not a maintenance one. You will be taking processes that today live in someone else’s workpapers, learning them, redesigning them so they scale, and owning them. The finance function of a business several times our current size will be the one you help design.

The role reports to the Chief Financial Officer and works closely with the executive team across Sydney, Tel Aviv and Europe. You will manage and develop our offshore finance operations resource, setting priorities, reviewing output and building the processes the two of you run together. Experience managing remote team members is valuable, but the appetite to do it well matters more.

Key Responsibilities:

The initial focus is on taking ownership of the core finance operations cycle. These are the workstreams that keep capital moving, portfolios funded and investors informed.

Reconciliations. Reconcile monthly collections across the group, spanning multiple debt collection agencies and jurisdictions. Investigate variances, confirm agency fee calculations and ensure collections data ties to the ledger and to trustee reporting.

Management Reporting. Prepare the monthly reporting file underpinning cash forecasting, funding decisions and distributions across the group’s trusts and operating entities.

Payment Schedules. Prepare and manage payment runs across multiple entities, currencies and banking platforms, with the controls and approvals appropriate to a funded business.

Invoice Review. Review and approve the monthly invoice population in Xero, driving accuracy and consistency.

Finance Inbox Management. Own the central finance inbox as the operational hub of the business — triaging, actioning and escalating counterparty, agency, trustee, banking and investor correspondence. This is the highest-volume item in the role and the one that most requires judgement about what matters and what can wait.

Banking, Hedging and Book Purchases. Process and approve key transactions, hedging settlements and loan book purchase funding through our banking platforms, working alongside the CFO and our funding partners.

Revenue and Portfolio Calculations. Prepare the periodic fee and revenue calculations across portfolios, including the workings that support amounts payable to and receivable from counterparties.

How the Role Grows:

The operational scope above is the starting point, not the ceiling. As those processes bed down, the role broadens across financial control, finance operations, treasury and hedging, and FP&A:

Consolidated group reporting across multiple entities and currencies
Financial control — the control environment, month-end discipline and process design
Finance operations — scaling the transactional engine as the business grows
Treasury — cash management, funding and FX risk
FP&A — budgeting, forecasting, modelling and management reporting
Statutory reporting, tax compliance and audit
Investor and financier reporting
Business partnering with the executive on funding, transactions and strategic projects

How quickly this happens is largely up to you. We would rather stretch someone than hold them back.

Require Qualifications & Experience:

CA, CPA, or CFA qualified (or close to completion), with around 3–5 years’ experience across practice and industry — the role will suit someone currently at analyst, senior analyst, financial accountant or senior financial accountant level looking to step up
Confident owning your own deliverables end to end within a month-end cycle, and ready to take on the full cycle
Advanced Excel and confident with accounting systems (we run Xero)
Genuinely strong attention to detail — much of this work involves reconciling large volumes of transactional data where errors are expensive
Clear written communication, particularly by email with external counterparties

Highly Regarded:

Strong technical accounting foundation, including consolidations and multi-currency reporting
Experience in financial services, specialty finance, private credit, funds management or a fintech, or first mover out of Big Four Audit firms
Exposure to trust structures, securitisation or warehouse funding
Multi-jurisdictional or cross-border group experience
Experience transitioning work from an outsourced provider in-house, or building processes from scratch

Key Competencies:

You are comfortable with ambiguity and would rather work out how something should be done than be handed a procedure manual. You are organised enough to hold a lot of moving parts without dropping any. You are direct, you raise issues early, and you are not precious about doing operational work one day and sitting in a strategy conversation the next.

This is a busy role in a business that is moving quickly. It will suit someone with real energy who wants that pace, and it will not suit someone looking for a steady, well-defined remit.

What We Offer:

Equity participation. The package includes equity, so you share directly in the growth and success of the business. We want the person in this seat to be an owner, not just an employee.

A clear path up. This role is designed to scale into Financial Controller or Head of Finance as the business grows. You will be building the function you go on to lead.

Real exposure. You will work directly with the CFO and executive team, and you will see the whole picture — portfolio acquisitions, warehouse funding, investor reporting, capital raising and cross-border structuring. That is unusual breadth at this level.

A market-competitive salary package, commensurate with experience.

Edgecliff office, next to the train station, four days a week in person with flexibility on the fifth.

At ArborKnot, you will be at the forefront of financial innovation, working in a true multicultural environment that values creativity, collaboration, and growth. We value diversity and strive to create an inclusive work environment where employees can bring their whole self to the workplace.

Application Instructions:

Please submit your resume and a brief cover letter outlining your suitability for the role to [email protected]

Application Form

Please fill out the form and we’ll contact you as soon as possible.