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Summary of Role:

The Product Controller role is established to strengthen product-level financial accuracy, accounting integrity, internal controls, and reporting governance. This role resides within Accounting and is responsible for maintaining the integrity of the official books and records for assigned products, including explicit ownership of controls and reconciliation over third-party financial data,  while partnering closely with the Management Profit & Loss (P&L) team and Finance to support management reporting, forecasting, and ACL (Allowance for Credit Losses) coverage. This role serves as the designated Product Controller for the Loss Mitigation business area, with responsibility for accounting accuracy, controls, reporting governance, and cross-functional coordination related to Loss Mitigation activities.

The role requires the ability to lead through influence, reinforce governance expectations, and drive timely issue resolution across teams while maintaining strong professional relationships.

Scope & Definitions:

• Business scope: Loss Mitigation activities (e.g., modifications, collections/servicing actions, charge-offs, recoveries, and related fees/expenses) as applicable to the assigned portfolio.

• Financial scope: Owns product-level accounting positions and close deliverables, including journal entries, accruals, balance sheet accounts, and P&L activity attributable to Loss Mitigation.

• Data scope: Ensures traceability from operational sources and/or sub-ledgers through the General Ledger to financial and management reporting.

• Key partners: Accounting (official books/records), Management P&L (management reporting view), Finance (forecast/budget), Risk/CECL (credit loss framework), Operations, and IT/Data.

• Systems/tools (fill in): General Ledger: Prologue Operational platform(s): AKUVO, DNA, Black Knight; Sub-ledger/warehouse: ARCSys

Reporting Structure

The Product Controller reports within Accounting, with a direct reporting line to the Director, Assistant Controller, and maintains close working partnerships with Management P&L and Finance leadership. The Product Controller is aligned to the Loss Mitigation business area and partners closely with Loss Mitigation leadership, Management P&L, Finance, and Credit Risk.

Essential Job Functions/Responsibilities:

• Own product‑level accounting, including balances, activity, accruals, charge‑offs, recoveries, and journal entries

• Ensure compliance with US GAAP and internal accounting policies

• Lead month‑end and quarter‑end close activities related to assigned products

• Support internal and external audits with clear documentation and evidentiary support

Reconciliations & Data Integrity

• Serve as primary owner of reconciliations between operational systems, sub‑ledgers, third‑party platforms, and the General Ledger

• Investigate, resolve, and document reconciling items with defined escalation protocols

• Establish reconciliation standards, materiality thresholds, and aging monitoring

• Strengthen preventive and detective controls to ensure completeness and accuracy of financial data

• Own and oversee reconciliations with third‑party service providers (e.g., collections, recoveries, servicing, and loss mitigation vendors), ensuring completeness, accuracy, timeliness, and end‑to‑end traceability from vendor reports through sub‑ledgers to the General Ledger

• Validate third‑party data feeds, statements, and invoices using standardized reconciliation procedures, defined variance thresholds, and aging analysis

• Coordinate investigation and resolution of third‑party discrepancies with Loss Mitigation and Management P&L, and maintain documented issue logs and remediation tracking

• Retain reconciliation evidence and control documentation to support audit, SOX/ICFR, and regulatory requirements

Key Responsibilities - General

• Partner closely with the Management P&L and Finance team to support product‑level financial reporting, performance metrics, and executive presentations

• Collaborate with forecasting, budgeting, and variance analysis

• Support ACL/CECL processes by validating product-level data inputs (completeness, accuracy, and timeliness), preparing key reconciliations/tie-outs between source systems, sub-ledgers, management views, and the General Ledger, and documenting variances and resolutions for model governance and audit readiness

• Serve as an accounting point of contact for CECL/ACL governance by providing support for process documentation and control evidence for assigned inputs and reconciliations (control ownership and model ownership remain with the designated process/model owners)

• Ensure financial, risk, and management reports are aligned and traceable to authoritative data sources

Governance, Controls & Change Management

• Act as control owner for product‑level accounting and reporting processes, including key controls over third-party financial data and reconciliations.

• Maintain policies and procedures documentation

• Enforce change‑management practices for new products, system changes, and reporting updates

• Maintain data lineage documentation and source‑to‑report mappings

• Implement preventive and detective controls related to third‑party data completeness, accuracy, timeliness, review, and sign‑off

• Define escalation protocols and remediation timelines for third‑party reconciliation issues and recurring variances

Critical Competencies & Professional Expectations

• Communicates clearly and effectively with stakeholders across Accounting, Finance, Management P&L, Risk, Operations, and IT/Data; escalates issues with context, options, and recommended actions

• Applies strong professional judgment; appropriately challenges assumptions, identifies risks, and advocates for compliant accounting and control outcomes

• Drives process improvements in a matrixed environment by influencing partners without direct reporting authority and aligning clear owners, timelines, and deliverables

• Establishes and maintains operating cadence (close calendars, reconciliation reviews, issue logs) to ensure controls and reporting standards are executed consistently

• Navigates ambiguity and competing priorities; manages to deadlines and maintains momentum through implementation

• Acts as an objective partner who balances collaboration with appropriate independence to protect financial integrity and governance

• Is a self-starter and has an entrepreneurial mind-set

Minimum Job Qualifications

• Bachelor’s degree in Accounting, Finance, or related field

• 5–7+ years of experience in Accounting or Product / Portfolio Finance

• Strong knowledge of US GAAP, reconciliations, and internal controls

• Experience with SOX/ICFR (or equivalent) control design, execution, and audit support, including documentation standards and evidence retention (as applicable)

• Strong Excel skills; experience using data and reporting tools (e.g., SQL, Power BI/Tableau, or similar) to perform reconciliations, analysis, and control monitoring

• Experience partnering with Finance, P&L, Risk, and Loss Mitigation/Credit Risk

• Financial services or banking experience strongly preferred

• Flexibility required to travel between office locations

Compensation: $85,000-$116,196, plus a competitive benefits package

Bilingual individuals who are fluent in a second language in addition to English are highly encouraged to apply.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other status protected by applicable law.

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