Bookkeeper / Staff Accountant Loan Operations

About The Role

Pony Money is growing, and we recently promoted our lead accountant into a broader role overseeing loan operations and financial reporting. We're now looking for a detail-oriented Bookkeeper / Staff Accountant to take ownership of day-to-day bookkeeping and to partner closely with our Senior Accountant on loan reporting and loan operations analysis. This is a great opportunity for someone who enjoys clean books, sharp numbers, and wants exposure to the lending side of the business.

What You'll Do

Bookkeeping

•     Manage accounts payable and receivable, including invoicing and vendor payments.

•     Reconcile bank, credit card, and loan servicing accounts on a monthly basis.

•     Maintain the general ledger and post accurate, well-documented journal entries.

•     Support month-end and year-end close, including accruals and account reconciliations.

•     Keep financial records organized and audit-ready.

Loan Reporting

•     Prepare recurring lead management reports: lead volume, source, status, and conversion rates.

•     Prepare loan status reports: originations, payoffs, past-due, and delinquency/aging.

•     Track and report on collection activity, including outreach, promises to pay, and payment plans.

•     Maintain loan schedules, payment histories, and collection notes/records.

•     Ensure loan and lead data in the accounting system reconciles with the CRM and loan servicing platform.

Loan Operations Analysis

•     Analyze lead-to-loan conversion trends and performance by lead source.

•     Analyze collections effectiveness: recovery rates, aging buckets, and delinquency trends.

•     Support cash flow forecasting tied to collections and expected recoveries.

•     Flag accounts needing escalation, write-off review, or process attention for the Senior Accountant.

Collaboration

•     Work directly under the Senior Accountant to support audits, tax preparation, and process improvements.

•     Help document and streamline bookkeeping and loan-reporting workflows as the team grows.