Financial Controller

albo

albo offers financial products to individuals and small and medium businesses in Mexico. Our group includes a regulated electronic payment funds institution, operating subsidiaries and a UK holding company. Our business combines payments, lending, customer balances and subscription services.

About the role

As Financial Controller, you will report directly to the CFO and lead albo's Accounting & Tax and FP&A functions through the Accounting & Tax Manager and the FP&A Manager, who report to you. You will be accountable for the accuracy and integrity of the group's financial results, financial regulatory reporting and internal controls. This is a senior, hands-on role combining technical review, team leadership and sound business judgment in a regulated fintech environment.

What you’ll be doing at albo:

• Oversee the monthly, quarterly and annual close, ensuring the Accounting & Tax Manager delivers the monthly close by D+10. Review balance sheet, P&L and cash flow reporting, resolve material reconciliation issues and ensure accounting actuals align with FP&A before management reporting. Ensure entity financial statements follow applicable Mexican NIF and CNBV accounting criteria, and review and approve the group’s consolidated IFRS reporting.
• Oversee high-volume reconciliations across operational systems, banks and the ledger, including payment settlements and loan portfolios. Review lending accounting with Accounting, Risks and Operations, covering interest and fees, IFRS 9 expected credit losses, write-offs and recoveries.
• Oversee timely and accurate financial regulatory reporting to CNBV and Banco de México, in partnership with Compliance, ensuring compliance with applicable requirements for each regulated entity, including capital requirements and safeguarding and reconciliation of client funds.
• Oversee the Accounting & Tax Manager in delivering SAT filings and payments, tax reconciliations and supporting documentation. Review material tax exposures, transfer pricing and cross-border positions prepared with specialist advisers, and escalate significant risks to the CFO.
• Act as the senior point of contact for external auditors across Mexico and the UK, with the Accounting & Tax Manager running the audit process day to day. Ensure audit readiness and timely resolution of findings. Review group consolidation, intercompany eliminations and foreign currency translation, and oversee UK statutory accounts and filing.
• Oversee the FP&A Manager in delivering the annual budget and rolling forecasts, reviewing assumptions and timely variance analysis. Assess profitability and unit economics by product and segment, linking operational drivers to revenue, costs and cash flow to support business decisions.
• Support the CFO with financial models, board reporting, investor materials and financial information for lenders. Review liquidity forecasts and monitor financial covenants with Treasury, escalating risks and potential breaches promptly.
• Strengthen financial controls, close processes and reporting through NetSuite, automation and continuous improvement. Ensure clear ownership, review evidence and traceability from source data to financial reports, and track corrective actions to completion.
• Advise teams across albo on accounting, tax and financial matters, reviewing new products, partnerships and funding arrangements with Accounting, FP&A, Treasury, Legal and Compliance.

About you and what type of skills you'll need:

• 10+ years of experience in Accounting, Controlling or Finance, including direct responsibility for overseeing budgets, forecasts and financial analysis.
• Proven experience leading and developing accounting and FP&A teams, including managing managers, setting clear accountability and reviewing technical and analytical deliverables.
• Hands-on experience with applicable CNBV accounting criteria and financial regulatory reporting in a regulated Mexican financial institution. Experience with IFPEs, payments or lending is a plus.
• Track record of delivering financial closes, external audits and regulatory reporting on time. Strong IFRS knowledge and experience with group consolidation and intercompany accounting; coordination of UK audits or statutory accounts is a plus.
• Experience with NetSuite (Oracle) or a comparable ERP. Recent experience leading or participating in ERP implementations for groups with multiple legal entities is a plus.
• Strong analytical and financial modeling skills, including profitability analysis, operational drivers and cash flow forecasting, with the judgment to translate numbers into business decisions.
• Bachelor’s degree in Accounting, Finance or a related field. CPC certification is a plus.
• Experience in fintech or high-growth companies is a plus.
• Fluent professional English, both written and spoken, with the ability to lead technical accounting and financial discussions and communicate confidently with international auditors, investors and lenders.
• This is a remote position for candidates based in Mexico City, with availability for in-person meetings when required.
• Customer Centricity: You understand how accurate customer balances, timely reconciliations and safeguarding of client funds support trust and a reliable customer experience.
• Hands-on: You are comfortable reviewing reconciliations, challenging assumptions and resolving complex issues, while developing the team and maintaining clear accountability.
• Communication: Excellent ability to communicate internally and externally, quickly build relationships, and work cross-functionally.
• Extreme ownership: You hold yourself accountable to a high bar. You are supremely organized and see what needs to happen to achieve goals.
• Results & Data Driven: You understand the business metrics you are responsible for, and you demonstrate these insights to drive constant improvement.