About Fairlo

The story of Fairlo began when our founders, Jimmy and Shamon, saw first-hand how unfair and predatory lending practices can trap people in cycles of debt. Their mother had been misled by a large bank, and instead of being offered a lifeline, she was pushed further into financial difficulties. That injustice sparked something: to build a company that reimagines credit - rooted in transparency, flexibility, and respect. That company became Fairlo.

Where we are now

Since launching in 2018, Fairlo has helped tens of thousands of customers access responsible credit when life happens. With 40,000+ active users, a 4.7 Trustpilot rating from 4 200+ reviews, and an incredibly low churn rate, we’re proving that transparency and flexibility is not only the right thing to do - it’s a winning model.

We’re a tight team of 30 people based in Stockholm, Crete, and the UK. Backed by some of Sweden’s most experienced investors and driven by a culture that prizes kindness, courage, collaboration and common sense, we’re very proud of what we’ve built so far.

The Fairlo group currently consists of the parent company Fairlo AB, a branch in Greece (Fairlo Tech Hub Ltd), a fully owned subsidiary Correctia AB in Sweden and a fully owned subsidiary Fairlo UK Ltd in the UK. We manage the group’s accounting and payroll primarily in-house, ensuring close control and integration with our daily operations. To complement this, we work with external partners for specific needs: accounting services for our branch in Greece and payroll administration in the UK.

Where we’re going

We’re now entering the most exciting chapter in our journey so far: Fairlo is becoming a bank. In line with new legislation and our long-term vision, this step will allow us to drive innovation, scale responsibly, expand our offering, and create fair and transparent financial products that support our customers throughout every stage of their lives.

Becoming a bank means raising the bar across every part of our business and finance is no exception. To succeed, we need robust accounting processes, flawless reporting, and rock-solid compliance. That’s where you come in.

Are you our new Head of Accounting?

As our new Head of Accounting, you will play a key role in building and leading the accounting function that underpins Fairlo’s future as a bank. This is not just about keeping the numbers right – it’s about ensuring we have the strong financial backbone needed to grow responsibly, earn trust, and meet the high standards of regulators and customers alike.

You’ll take full operational responsibility for Fairlo’s accounting, reporting, and financial compliance at both entity and group level. Working closely with our Finance Manager and Head of Controlling & Strategic Initiatives you’ll ensure our financial reporting is accurate, timely, and fully aligned with IFRS (including IFRS 9 for credit institutions) and local regulations.

This is a hands-on and highly structured role, perfect for someone who thrives in detail, but also wants to be part of building something bigger: a modern bank founded on flexibility and transparency.

Some of the things you’ll do:

• Ensure accurate and timely accounting and reporting across the Fairlo group, in accordance with IFRS (including IFRS 9 for credit institutions) and local regulations.

• Take full responsibility for monthly closings, entity and group-level reporting (including tax reporting and declarations), annual reports, and audits (end-to-end).

• Manage monthly reconciliations (including portfolio reconciliation with external debt providers) and ensure internal controls are followed and documented, as well as working with the Finance Manager to ensure our processes are efficient.

• Maintain, develop and implement accounting principles, routines, manuals and policies, ensuring new and existing products are correctly accounted for. This includes transfer pricing setup for the group.

• Provide internal stakeholders with accurate and timely accounting guidance.

• Be the main point of contact for auditors, external advisors and regulators (e.g., Finansinspektionen in Sweden and FCA in the UK).

• Ensure preparation and submission of all regulatory reporting (e.g. COREP/FINREP/SCB and other required reports), together with Risk when needed.

• Be responsible for short-term liquidity, BS and P&L forecasts. Contribute to long-term forecasting and budgeting.

• Manage treasury and liquidity.

• Support and act as a backup to the Finance Manager with daily operational tasks and ad-hoc tasks when needed.

• Contribute to improvements in accounting systems and processes to enhance accuracy, transparency and efficiency.

Your team:

Finance Manager: responsible for daily finance operations of the entire group, covering financial accounting, accounts receivable, accounts payable, payments, monthly account reconciliations, payroll, taxes, assistance in annual reports and audits, and other financial administration.

Head of Controlling & Strategic Initiatives: responsible for overseeing internal controls, budgeting, reporting, as well as strategic initiatives and governance.

We expect you to be the senior expert in accounting and compliance, and to continuously improve routines and ensure regulatory compliance within the finance function.

We believe that you have:

• 5+ years of working experience within accounting, including group accounting - e.g. as an auditor, consultant or as accounting manager within a bank or credit institution.

• Solid grip on Swedish GAAP, IFRS and multi‑country exposure

• Experience in treasury management

• An academic degree in business/finance/accounting

• Advanced skills in Excel/Sheets

• Strong language skills in both Swedish and English (spoken and written)

• Confidence in working independently as well as collaboratively

• An eye for detail, structure and quality

• Are a good communicator

• A constant drive for improvement
  

Nice if you also have experience from:

• Skills in data management, analysis, understanding of SQL

• Working in Fortnox

• Working with payroll
  

Joining Fairlo means:

• You get to be part of building a financial world you’d like to live in.

• Work hands-on with real impact and ownership

• A competitive salary and benefits package including stock options program, health insurance, pension, health & wellness allowance.

• Hybrid working model with a top-location office in Stockholm.

• Be part of a team that supports each other, have fun together and thrive.

Where you'll work: Mainly in our Stockholm office, and you may travel to other Fairlo offices in the UK, Greece and soon other places.

We believe in finding people with unique backgrounds and perspectives ready to change the world through their visions.

We hope we've piqued your interest. Apply, and take the first step toward helping make Fairlo an even greater place to be - and the most trusted financial partner out there, built on a culture of transparency, flexibility, and genuine care for people.