Technical Accountant

We're on a mission to make migration easy.

We started building Marshmallow in 2017. Since then, we've grown from 3 to 700+ people, gained unicorn status, raised ~£140M over three funding rounds, turned profitable, insured millions of drivers and lent millions in car loans.

But we're only just getting started. Our goal is to become one of the largest financial services providers in the world. Over the next 10 years we'll grow exponentially, not only by scaling our existing products, but also by building new ones.

To achieve our goals we need incredibly ambitious, commercially driven people who never settle for 'good enough'. Marshmallowers are hungry for autonomy and ownership, and would rather improve than coast. Everyone raises standards and has an impact, with a focus on collective success over self-interest.

We've created an environment where curious, tenacious people win and grow together. If that sounds motivating, this could be the place for you.

About the role

This is a senior individual contributor role and the Controllership team's primary technical accounting expert. You will own the most complex and judgement-intensive accounting areas across the Group - spanning the UK insurance broker, claims handling, car finance and its associated SPV structure, and the Group holding company - and act as the go-to resource for the team, business stakeholders, and external auditors on technical accounting matters.

You will work with a high degree of autonomy, reporting directly to the Group Financial Controller. You are expected to solve complex problems independently, document and defend accounting positions to audit standard, coach more junior colleagues, and communicate clearly to senior stakeholders across Finance and the wider business. This role sits at the heart of the Group's effort to close legacy accounting gaps, maintain audit readiness, and build controls that scale as Marshmallow grows.

London (hybrid, 3 days in office)

What you'll own

Technical accounting across the Group

- Own and maintain Group accounting policies across all entities in scope, ensuring alignment with FRS 102 and applicable regulatory requirements

- Lead the Group's FRS 102 (2026 amendments) impact assessment and transition - with particular focus on revised revenue recognition and expected credit loss provisions across the business

- Be the authoritative internal voice on complex, judgement-intensive areas across the Group including: share-based payments, capital development and intangibles, lease accounting, bad debt provisioning and impairment, periodic payment orders (PPOs), HP loan recognition and ECL provisioning, and SPV accounting

- Own the technical accounting for the car finance business and its associated SPV structure

- Own the technical accounting for the UK insurance broking and claims handling businesses

- Drive resolution of legacy technical items and prior year audit findings - working through open issues to root-cause resolution rather than one-off workarounds

Revenue recognition - transformation workstream

- Lead the documentation and review of revenue recognition policies across the business, ensuring they are accurate, consistently applied, and fit for audit scrutiny

- Own the technical accounting perspective on the revenue data workstream - understanding how revenue flows are constructed, identifying any gaps between accounting policy and practice, and driving remediation where needed

- Work cross-functionally with Engineering, Data, and FP&A to ensure the financial reporting of revenue is grounded in a robust and well-documented technical foundation

Insurance knowledge - Group-level review and challenge

- Insurance industry knowledge is a core requirement of this role - while BAU technical accounting for the Group's insurance underwriting entity (based in Gibraltar) sits with a separate Finance team, you will be expected to review, challenge, and engage with Gibraltar Finance team from a Group perspective

- This includes understanding earned premium, technical provisions, reinsurance accounting, and the financial reporting implications of the Group's insurance structures - and being able to apply that understanding in Group consolidation and in conversations with auditors

- You will bring a Group finance lens to insurance-related accounting questions arising across the business

Audit readiness & accounting quality

- Prepare and review complex balance sheet reconciliations and accounting entries across the entities in scope, maintaining the quality and evidencing standard required for external audit

- Act as the primary Finance contact for external auditors on technical accounting judgements - prepare clear, well-evidenced documentation for complex or contested positions

- Proactively identify and close accounting quality gaps, with a focus on sustainable fixes that hold up to scrutiny in future audit cycles

Coaching & cross-functional collaboration