Staff Accountant - India Exchange

Are you curious, excited by experimentation and always looking to innovate? Do you want to work in embedded payments where you can keep learning and developing whilst getting hands-on experience? Do you want to have the opportunity to play an important role in a rapidly growing and exciting Fintech business? If so, we would love to connect and collaborate! Who We Are Modulr is the payments automation platform that streamlines money movement with accuracy, control and reliability — built to scale. We process more than 200m transactions and over £180bn in payment value on an annualised basis, and we’re trusted by over 6,000 businesses from fast-growing SMEs to global enterprises. We automate how money moves into and out of a business — payroll, supplier payments, spend management and payment collection — through a single platform, connected to the accounting and payroll systems finance teams already use and underpinned by principal memberships of Visa and Mastercard and direct access to central bank infrastructure. As a regulated payments provider with over a decade of experience, we’re the platform finance teams trust to run mission-critical operations. Modulr is backed by PayPal, FIS, General Atlantic, Blenheim Chalcot, Frog Capital and Highland Europe, with over 400 employees across London, Edinburgh, Amsterdam, Mumbai and Pune. Purpose of the Role This role exists to own the detailed financial control and reporting execution across Modulr’s group entities - end to end, with minimal supervision, to a standard that is audit-ready every month. You will take full hands-on responsibility for the areas currently held at senior leadership level: the group management accounts, balance sheet reconciliations, controls execution, intercompany and cross-border accounting, and the systems and processes that underpin them. This is not a support role. You will be the person who gets it done – accurately, on time, with the controls mindset and risk to recognise when escalation is required, and the judgement to manage most situations independently. The Financial Control leadership team will rely on you as a trusted execution counterpart, freeing them to focus on oversight, stakeholder management and strategic priorities. You will also play an active role in improving how the team works, using AI and automation to reduce manual effort and increase the consistency and quality of financial reporting across the function.   Key Responsibilities Group Management Accounts & Close • Own the full month-end close process across all group entities – journals, accruals, prepayments, revenue recognition and intercompany accounting – from first entry to completed management accounts pack. • Produce the monthly consolidated P&L, balance sheet and cash flow with accurate variance analysis and commentary ready for senior review. • Own and maintain the group management accounts model (currently excel-based, with a clear roadmap to full process automation), keeping it robust, well-controlled and clearly documented. • Manage the group consolidation process including intercompany eliminations, minority interests and multi-currency translation. • Meet the close timetable every month across time zones, managing competing priorities independently and escalating risks early with context and a recommended course of action. Balance Sheet Reconciliations  •Own all balance sheet reconciliations across group entities – fully supported, clearly evidenced and audit-ready every month, not just at year end. • Ensure every reconciliation is complete and reviewable at any point in the month, with reconciling items identified, owned and resolved promptly. • Use AI tooling to support reconciliation processes – automating matching, flagging anomalies and reducing time spent on manual review. Financial Controls & Risk • Operate with an audit and controls mindset across everything you produce – complete, accurate, clearly evidenced and reviewable by a third party at any point. • Own and manage the period close process – maintaining a clear close checklist, tracking progress across all entities and tasks, ensuring nothing is missed and the timetable is met every month without exception. • Identify and escalate period close risks early – with context, a clear assessment of impact and a recommended course of action, not just a flag. • Take ownership of assigned areas within Modulr's internal control framework, identifying gaps or weaknesses proactively and raising them with recommended remediation. • Ensure source data in NetSuite and upstream systems is accurate, well-documented and consistently maintained. • Support internal and external audit processes, producing well-evidenced responses to queries and ensuring nothing needs rework. Cross-Border & Intercompany Accounting • Own the end-to-end intercompany accounting process across group entities, ensuring transactions are accurately recorded, reconciled and eliminated on consolidation. • Apply working knowledge of cross-border accounting considerations – including transfer pricing, foreign currency accounting and tax implications – across group entity reporting. • Maintain intercompany balances and agreements, flagging inconsistencies and working with the relevant teams to resolve them. Group Regulatory Reporting • Prepare and reconcile regulatory reports, ensuring accurate agreement back to the management accounts and compliance with UK and EU regulatory requirements. • Apply the relevant accounting standards across all reporting outputs, including UK GAAP and/or IFRS, NL GAAP and India GAAP, according to the requirements of each entity. • Respond to regulatory and audit queries accurately and promptly, to a standard that reflects Modulr’s obligations as a regulated entity. Systems, Automation & Process Improvement • Act as a confident and capable user of NetSuite, taking ownership of journal processing, reconciliation workflows and reporting outputs within the system. • Identify and deliver automation of manual reporting and reconciliation tasks using AI tools, Power Automate, NetSuite workflows or equivalent. • Document process improvements and time savings, contributing to a culture of continuous improvement across the Financial Reporting function. Stakeholder Engagement • Engage confidently with finance and non-finance stakeholders across the global business – communicating clearly, managing expectations and raising issues with the right level of context. • Build trusted working relationships with Payment Operations, FP&A, Data and Tech teams to resolve issues at source rather than at close. Team Management • Manage a small team of Financial Accountants, providing day-to-day direction, workload management and support through the close. • Review and take ownership of work produced by the team before it feeds into the group consolidation or goes to senior review – maintaining the same standard you hold for your own output. • Coach and develop team members according to their level – building technical capability in junior staff while stretching more experienced colleagues. • Set clear expectations on quality, timeliness and controls standards, and hold them consistently. • Identify capacity or capability gaps early and flag to the Financial Control leadership team with a recommended plan. Person Specification Essential • Qualified accountant – ACA, ACCA, CIMA, ICAI or equivalent, with a minimum of 5 years post-qualification experience. • Proven hands-on experience owning a month-end close end to end – journals, balance sheet reconciliations, group management accounts and intercompany accounting – without close supervision. • Group consolidation experience, including intercompany eliminations, minority interests and multi-currency translation. • Strong working knowledge of UK GAAP (FRS 102) and/or IFRS, NL GAAP and India GAAP, applied in practice. • Advanced Excel skills – able to own and maintain a complex multi-entity group management accounts model. • Genuine controls mindset – understanding of what audit-ready means as a consistent monthly standard, not just at year end. • Experience in a multi-entity, multi-currency, cross-border environment with intercompany and basic tax awareness. • Strong NetSuite capability or equivalent ERP experience, with the systems confidence to work independently within a NetSuite-led environment. • Ability to manage competing priorities at pace, independently, aligned to UK business hours and timetables. • Clear, confident communication with both finance and non-finance stakeholders across time zones.Desirable • Experience using AI tools in a finance context – for reconciliation support, process automation, drafting or analysis. Prior experience will be a genuine advantage given Modulr’s active investment in this area. • Experience with Power Automate, NetSuite workflows or similar automation tooling. • Experience in fintech, payments or regulated financial services. • Prior experience working remotely as a trusted counterpart to a UK-based senior finance team. ModInclusion At Modulr, we’re committed to building a diverse, equitable and inclusive culture where everyone feels they belong and can bring their whole self to work. We welcome applications from candidates of all backgrounds as we believe it’s the right thing for our people, our business, and the community we operate in.

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE ROLE:  As Staff Data Scientist for the Fraud & Risk area, you will work closely with the Business Team, Product Managers, Data Governance team, Analysts, Scientists, and Data Engineers in order to deliver Company, Business, and Product OKRs. You will be at the forefront of addressing fraud globally for Tide, utilizing your deep expertise in classical Machine Learning to build and continuously improve models that detect and mitigate fraud. This role is an Individual Contributor (IC) position. You will spend most of your time dealing with highly imbalanced data use cases, data drift in pipelines, and identifying rapidly changing fraud patterns using classical ML. Some of your time will also focus on implementing and scaling production-ready GenAI and Agentic AI workflows. You will act as the Subject Matter Expert (SME) across the team, improving our technical standards. As a Staff Data Scientist you’ll be: * Design and develop advanced predictive ML models tailored for global fraud detection, risk assessment, and anomaly detection. * Design and develop production-grade GenAI and Agentic AI solutions (leveraging frameworks like LangGraph on AWS or GCP) to automate alert handling and accelerate fraud investigations. * Tackling highly imbalanced datasets using advanced techniques, ensuring models optimize for real business impact (minimizing false positives while catching evolving fraud). * Proactively identifying, measuring, and resolving data drift and concept drift in production pipelines to maintain continuous model performance. * Presenting compelling insights and demonstrating strong storytelling skills to translate complex model outputs for non-technical stakeholders. * Acting as the definitive technical IC and SME for the team—setting technical standards and reviewing architectures to push the boundaries of what "best" looks like. * Collaborate with ML engineers to deploy models, establish CI/CD pipelines, and implement robust model tracking and observability. * Partnering with Data Engineering to optimize feature engineering and feature stores for real-time and batch fraud decisioning. * Working with Product and Business teams to translate complex fraud typologies and business requirements into rigorous mathematical formulations and data science problems. * Build and track metrics for the performance of our models and their direct impact on the business bottom line, feeding this back to Product and Business Teams. * Ability to deal with ambiguity and propose innovative solutions without getting blocked. WHAT WE ARE LOOKING FOR:  * You have 10+ years of experience in Data Science or Machine Learning, with a substantial portion of your career dedicated to fighting fraud or risk mitigation in a fast-paced environment. * Individual Contributor: You are highly comfortable acting as a dedicated, fully hands-on technical IC and leading by example. * Absolute SME in Classical ML: Deep, theoretical, and practical understanding of classical machine learning algorithms (e.g., XGBoost, LightGBM, Random Forests, SVMs, Ensemble methods) and statistical modeling. * Deep Learning & Synthetic Data: Strong experience building adversarial models for fraud detection and working with synthetic data generation to bolster model robustness. * Production GenAI & Agentic AI Experience: Hands-on experience taking GenAI and multi-agent systems to production (using tools like LangGraph, AWS Bedrock, or GCP ecosystem) that have delivered real, measurable ROI. * Technical Eminence: Demonstrated technical inclination, such as submitting or publishing research papers at technical conferences, holding patents, or making significant open-source contributions, is highly advantageous. * Mastery of Imbalanced Data: Extensive hands-on experience handling highly imbalanced datasets, utilizing appropriate sampling methods, cost-sensitive learning, and relevant evaluation metrics (Precision-Recall AUC, F1-score, custom loss functions). * Drift & Observability: Strong hands-on experience detecting and addressing data drift, concept drift, and model degradation in production systems. * Strong Engineering Background: You have good technical knowledge in SQL, strong in Python programming (including exposure to PyTorch and Hugging Face), and a good understanding of performance optimization in the end to end data pipeline including ML/DS inferencing. * You have a high level understanding of big-data technologies such as Spark, Hadoop etc. Strong knowledge of Cloud (AWS or GCP). * You’re a self-starter who can work comfortably in a fast-moving company where priorities can change and processes may need to be created from scratch with minimal guidance. OUR TECH STACK (YOU DON’T HAVE TO EXCEL IN ALL, BUT WILLING TO LEARN THEM): * Databricks on AWS/GCP  * Python  * Snowflake/Big Query * Tecton/Databricks - feature store  * Fiddler - model observability platform WHAT YOU’LL GET IN RETURN: * Competitive Compensation -  competitive salary and share options * Time Off – Generous annual leave on top of bank holidays. * Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey. * Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide. * Health Insurance – Private family insurance with additional OPD coverage and top-up options. * Life & Accident Cover – Comprehensive accidental and life insurance protection. * Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops. * Volunteering & Development Days – Paid days annually for volunteering or personal growth. * Learning & Development – Annual budget for books, courses, coaching, and more. * WOO (Work Outside the Office) – Work from abroad for up to 90 days annually. * Home Office Setup – Contribution towards setting up your home office * Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement. * Snacks & Meals – Office perks with snacks, coffee, tea, and lunch (location dependent).  TIDEAN WAYS OF WORKING At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.  While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community. TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.  We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.   At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.   Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: * Tide does not charge any fees at any stage of the recruitment process. * All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. * Communication from Tide will only come from an official @tide.co email address. * Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.   Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.