Opportunities from Pnlfin Careers

About The Role

About Finom

Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.

We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.

Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.

At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.

Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.

What You'll Own

Liquidity and funding

• Daily liquidity positioning and float management across entities and accounts

• Intraday funding of payment channels; nostro and correspondent account management

• Collateral and minimum-balance obligations across card schemes, T2, and credit providers

• Contingency funding — the playbook for the day we need €20m by tomorrow morning

• A daily treasury balance sheet — net liquidity and net capital available — that reconciles

Safeguarding and portfolio

• Portfolio management of safeguarded client funds: term deposits, MMFs, short-dated debt, held directly and via external managers

• Safeguarding adequacy: shortfall detection, top-up execution, same-currency discipline

• Instrument eligibility screening under CRR risk-weight, maturity and WAL constraints, and UCITS/MMF rules

• Independent, evidenced validation that externally managed allocations sit inside mandate — position-level look-through, daily monitoring of concentration, maturity, WAL and credit quality, breach escalation

• NII forecasting, attribution, and reconciled performance reporting; treasury inputs into the financial model and company forecast

Governance and controls

• Ownership of the investment policy, limit framework, and eligible-instrument register

• Treasury governance: decision pack, agenda, decision log, and delegated-authority register

• Pre-deal checks and post-trade evidencing, designed so that the first line executes and the second line challenges

• Covenant tracking across credit facilities

• Regulator, external audit, and second-line engagement on treasury and safeguarding matters

Systems and data

• Selection and implementation of investment accounting and treasury tooling — a Clearwater/Advent-class implementation is already in flight and will be yours

• Custodian, asset-manager and bank data feeds; API connectivity where it exists and pragmatic alternatives where it doesn't

• Replacing manual spreadsheet processes with something that survives your holiday

Commercial

• Bank, custodian, broker and asset-manager relationships: onboarding, commercial terms, mandate setting, service review

• Challenging our managers on allocation, transparency and fees — and changing them if the answers are weak

What Good Looks Like In The First 12 Months

• Investment policy and limit framework live, with treasury governance running on a documented decision log

• Daily, evidenced mandate compliance across the full book — we can answer "are we inside the boundaries?" in minutes, not weeks

• Investment accounting platform implemented; monthly close on the portfolio no longer manual

• An NII number that is reconciled, attributed, and forecastable

• A contingency liquidity playbook that has been tested rather than written

Who You Are

• 5+ years in treasury, ALM, fixed income, or portfolio management at a regulated financial institution, EMI/PI, or asset manager

• Direct experience with client money or safeguarding under PSD2 / EMD — core to this role, not adjacent to it

• Experience building or materially rebuilding a treasury function, not only operating inside an established one

• Strong command of bond math, yield and duration, MMF mechanics, and credit and concentration risk at instrument level

• Track record of automating manual treasury processes and implementing treasury or investment accounting systems

• Comfortable working with position-level data directly — you can interrogate a portfolio file rather than wait for a report

• Experience with regulators, external audit, and external asset managers (mandate setting, IMA terms, performance challenge)

• Sound judgement under time pressure in a lean environment with real accountability and limited cover

• Strong Excel skills

• Fluent English

Nice to have

• Familiarity with IFRS 9 or Dutch GAAP (RJ 290) financial instrument accounting

• SQL or Python

• Experience in a firm transitioning toward a banking licence

• Experience using AI tools (e.g. LLMs, copilots) to accelerate analytical and reporting workflows

Additional information

What You Will Get In Return

Make a genuine impact on the product

Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.

Work in the EU

Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.

Become a stock options holder

Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders.

Receive unwavering support and care

Finom stands by you at every step, embodying our commitment to your well-being and success reflected in our modern, friendly, and eco-conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling.

Work & Swim program

Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to strike the perfect work-life balance while enjoying breathtaking Mediterranean views.

Equal Opportunity Statement

At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.