--- title: 'Manager, Loan and Debt Accounting (R14205) at Oportun' canonical: 'https://feeny.ai/job/manager-loan-and-debt-accounting-r14205-oportun-united-states-gzjhrc2ghwv3' type: 'job' last_seen: '2026-09-14' --- # Manager, Loan and Debt Accounting (R14205) at Oportun - **Company:** Oportun - **Location:** United States - **Work type:** remote - **Posted:** 2026-08-25 - **Last confirmed live:** 2026-09-14 - **Apply:** https://job-boards.greenhouse.io/oportun/jobs/4727179005 ## Job description ## ABOUT OPORTUN Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $22.7 billion in responsible and affordable credit, saved its members more than $2.5 billion in interest and fees, and helped its members set aside an average of more than $1,800 annually. ## POSITION OVERVIEW The Manager, Accounting will oversee the day-to-day accounting activities related to Oportun’s loan portfolio and debt, ensuring accurate and timely financial reporting in accordance with applicable accounting standards and company policies. This role will lead key aspects of the monthly close process, including account reconciliations, financial analysis, and review of loan- and debt-related accounting activities. The Manager will supervise and develop the accounting staff while providing guidance, review, and oversight of their work. This role will also partner cross-functionally to strengthen accounting processes, maintain effective internal controls, and support Oportun’s financial reporting objectives. ## WHAT YOU’LL DO - Oversee the day-to-day accounting activities for Oportun’s loan portfolio and debt, ensuring transactions are recorded accurately, completely, and in accordance with applicable accounting standards and company policies. - Lead the month-end close process for loan- and debt-related accounts, including review of journal entries, account reconciliations, supporting schedules, flux analysis and other close activities. - Supervise, develop, and provide ongoing guidance to accounting staff, including reviewing work, establishing priorities, providing feedback, and supporting professional development. - Drive continuous improvement of accounting processes and internal controls, identifying opportunities to automate manual or repetitive activities, streamline workflows, improve data quality, and increase the accuracy and efficiency of the close and reporting processes. - Leverage AI-enabled tools and emerging technologies, where appropriate, to enhance accounting workflows, analysis, documentation, and operational efficiency while maintaining appropriate review, governance, and internal controls. - Partner cross-functionally with Finance, Technology, and other Oportun business teams to implement process improvements, automation solutions, and scalable accounting practices supporting loan and debt activities. ## WHO YOU ARE / WHAT YOU BRING Required Qualifications - Bachelor’s degree in Accounting, Finance, or a related field. - Minimum of 6 years of progressive accounting experience. - Strong knowledge of U.S. GAAP and demonstrated ability to research, interpret, and apply accounting guidance. - Experience with loan, lending, debt, or other financial-services-related accounting activities. - Demonstrated ability to lead, coach, and develop accounting professionals and effectively review the work of others. - Ability and willingness to leverage AI-enabled tools and emerging technologies responsibly to enhance accounting analysis, documentation, and processes while maintaining appropriate review and controls. - Experience with internal controls and accounting process improvements. - Advanced analytical and problem-solving skills, with the ability to investigate complex accounting issues, identify root causes, and develop practical solutions. - Ability to manage multiple priorities and meet strict deadlines in a dynamic environment with limited supervision. - Excellent written and verbal communication skills, with the ability to collaborate effectively with Finance and other cross-functional partners. ## Preferred Qualifications - CPA or progress toward CPA certification. - Experience in consumer lending, financial services, fintech, banking, or a related industry. - Experience implementing accounting process improvements, workflow automation, or financial-system enhancements. - Familiarity with AI-enabled accounting, finance, analytics, or productivity tools and their application within an appropriately controlled environment. The US salary range for this full-time position is $ 91,500 - $ 146,400. Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects a national minimum and maximum range for new hire salaries for this position. Within this range, individual pay is determined by work location and additional factors, such as job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range that meets your criteria during the hiring process. Please note that the compensation range listed in this posting reflects only the base salary for this position and does not include other compensation elements or benefits. ## #LI-REMOTE ## #LI-RR1 We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate. California applicants can find a copy of Oportun's CCPA Notice here:  https://oportun.com/privacy/california-privacy-notice/. We will never request personal identifiable information (bank, credit card, etc.) before you are hired. We do not charge you for pre-employment fees such as background checks, training, or equipment. If you think you have been a victim of fraud by someone posing as us, please report your experience to the FBI’s Internet Crime Complaint Center (IC3). ## About Oportun ## Company Overview - **One-liner**: Oportun is a mission-driven financial services company that uses AI to provide affordable credit and automated savings tools for people underserved by mainstream financial institutions. - **Entity Type**: Public (Nasdaq: OPRT) - **Headquarters**: Silicon Valley, California, USA - **Founded**: 2006 (operations began in 2005) - **Founders**: Not publicly available (founded by a team) ## Core Business - **Primary industry**: Financial Services (Consumer Lending, Fintech) - **Target customers**: B2C – primarily Americans who are not well served by traditional banks (often with limited or no credit history) - **Mission**: To help people across the United States create a brighter financial future by building financial resiliency through access to responsible and affordable credit and effortless savings. ## Products & Services - **Unsecured Personal Loans**: Fixed-rate, fully amortizing installment loans ranging from $300 to $10,000, with terms of 12 to 54 months. Originated in 41 states (2 via direct licenses, 39 via a partnership with Pathward). - **Secured Personal Loans**: Collateralized loans (vehicle-backed) offered in 8 states, with potential expansion to 33 additional states via the Pathward partnership. - **Set & Save**: An AI-powered automated savings app that analyzes a member’s cash flow to determine how much they can save daily without disrupting expenses. Ranked #1 Savings App of 2025 by Bankrate. - **Oportun Mobile App**: A central hub for all products—borrowing, saving, and budgeting. - **Lending as a Service (LaaS)**: A lead generation program through partnerships (e.g., DolEx, Barri Financial/Western Union) to reach new members via 465 retail locations. ## Market Standing - **Market Cap / Valuation**: Publicly traded company (as of latest filing) — market cap fluctuates; refer to Nasdaq for real-time data. - **Key Metric (Revenue)**: Public company; annual revenue reported in SEC 10-K filings (most recent: FY 2025). - **Key Metric (Funding)**: N/A (public; no recent funding rounds). - **Notable Investors/Partners**: - Pathward (banking partner for national lending expansion) - Certified as a Community Development Financial Institution (CDFI) by the U.S. Department of the Treasury - **Growth Signals**: - Over $22.2 billion in responsible credit extended since inception. - Helped 1.3 million people establish a credit history for the first time. - Helped members set aside over $12.5 billion in savings via the Set & Save product. - Six consecutive GAAP profitable quarters as of Q1 2026. - 6.8x debt-to-equity leverage (reduced from 7.6x year-over-year). - Named a San Francisco Bay Area Top Workplace for 2026 by Axios. ## Competitive Advantages - **AI-Powered Underwriting**: Uses billions of proprietary data points and machine learning to score 100% of applicants, including those without FICO scores—enabling responsible lending to an underserved population. - **Proprietary Savings Engine**: The Set & Save algorithm has completed 1.1 billion algorithmic transfers over 10+ years, giving it a long-track-record AI advantage that is difficult to replicate. - **CDFI Certification**: Affords credibility and access to unique community development capital. - **Strong Member Satisfaction**: Net Promoter Score (NPS) of 77 for personal loans. - **National Reach via Partnership**: The Pathward partnership allows Oportun to operate nationwide without needing a state-by-state bank charter. ## Strategic Focus - **Improve Credit Outcomes**: Targeting an annualized net charge-off rate between 9% and 11%. - **Fortify Business Economics**: Increasing loan portfolio yield while maintaining tight expense controls. - **Responsible Growth**: Expanding the secured loan portfolio and cross-selling Set & Save to existing members. - **Scaling LaaS (Lending as a Service)**: Adding new partnership channels to reach more members cost-effectively. - **Continued AI Investment**: Deepening machine learning for marketing, underwriting, fraud detection, and servicing. ## Why Work Here - **Mission-Driven Work**: The company explicitly focuses on financial inclusion for hardworking Americans who are overlooked by traditional banks. Employees cite a sense of purpose. - **Remote-First Culture**: Oportun is described as a remote-first global team, with centers in the U.S. (California), India (Chennai), and Mexico (León). - **Comprehensive Benefits**: - Medical, dental, vision, and FSA coverage. - Competitive compensation, bonuses, and incentive programs. - Paid time off for volunteering and charitable giving. - **DEI & Belonging**: Active employee-led resource groups, company-wide events to support diversity, equity, inclusion, and belonging (DEIB). - **Giving Back**: 1% of annual net profits donated to community partners like United Way, American Red Cross, and DIY Girls. Also runs an employee hardship assistance fund with corporate matching. - **Team Building**: Virtual coffee chats, holiday parties, and wellness events on their internal platform (Oportun Connect). - **Growth Trajectory**: Public company with six consecutive profitable quarters and aggressive expansion plans, offering stability and career growth. ## Sources 1. [Oportun.com - Careers](https://oportun.com/careers/) 2. [Oportun.com - About](https://oportun.com/about/) 3. [Oportun.com - Homepage](https://oportun.com/) 4. [Oportun Investor Relations - 10-K (Feb 2026)](https://investor.oportun.com/sec-filings/all-sec-filings/content/0001538716-26-000015/0001538716-26-000015.pdf) 5. 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