Junior Financial Analyst - Apprenticeship (Accounting & FP&A)

About

Swan is Europe’s embedded banking specialist. We empower software companies to embed banking features like accounts, cards, and payments directly into their products, under their own brand. Swan processes over €1.5 billion in monthly transactions for more than 150 companies—like Pennylane, Indy, Agicap, Libeo, and Lucca. Founded in 2019, the company has received growth capital from leading investors such as Lakestar, Accel, Creandum, Bpifrance and Eight Roads. Swan is a principal member of Mastercard and a licensed financial institution, regulated by the French banking authority (ACPR).

Job description

Finance team is looking for a structured and analytical Corporate Finance Apprentice to secure our financial and accounting basics and support the company's hyper‑growth. In this role, you will secure our day‑to‑day accounting flows while turning financial data into actionable insights for our business performance.

Your mission

Your primary mission is to ensure 100% accuracy in our transactional and operational accounting and leverage this clean data to support the FP&A team in budget tracking and margin analysis.

Main tasks

Financial Operations & Accounts Payable / Accounts Receivable

• To manage the end‑to‑end purchasing cycle by integrating and verifying supplier invoices in Pivot, matching them with purchase orders, and following up with internal managers.
• To reconcile daily incoming cash flows, match payments, and track customer aging balances within Pennylane.
• To audit corporate card expenses and receipts, ensuring strict compliance with data formatting, analytical tags, and VAT rules.
• To allocate costs accurate to proper analytical codes in real‑time to ensure precise product and department margin calculations.

Billing, Collections & Revenue Share Management

• To monitor partner billing cycles in Lago, ensuring all client invoices are fully settled and paid.
• To calculate and update the weekly partner revenue share files, achieving 100% reconciliation via Pennylane, and tracking unclaimed partner invoices.
• To optimize corporate cash‑flow by actively participating in the deployment and execution of Swan’s new debt collection and recovery processes.

FP&A Support & Management Control

• To contribute to monthly closing processes through pre‑closing accounting tasks, including cut‑offs and analytical reviews of expenses.
• To analyze budget variances by comparing actual performance against forecasts across various cost centers (Tech, General Expenses, HR).
• To update financial dashboards and KPIs, including product‑line P&L, interchange margin tracking, and core infrastructure costs.

Curious about your future team?

Our Finance team operates with a lean and tech‑oriented internal structure (Pennylane, Lago, Upflow, Pivot). We collaborate closely with internal stakeholders across Product, Sales and People to collect data and optimise financial processes. As a regulated Electronic Money Institution, we run on a culture of operational excellence, transparency and data reliability to support Swan’s hyper‑growth.

Preferred experience

You’re a great match if:

• You are currently pursuing a Master’s degree (Year 1 or 2) from a Business School, IAE or University, specialising in Accounting, Corporate Finance or Management Control (e.g. Master CCA, DSCG).
• You possess intermediate to advanced skills in Excel/Google Sheets, along with solid foundational knowledge of general accounting (VAT, invoicing rules, reconciliation).
• You have previous experience (internship or apprenticeship) using modern ERP/accounting tools (Pennylane is a huge plus) or spend‑management platforms (Pivot, Spendesk, Payflow).
• You are AI‑oriented : you have a natural reflex to use generative AI tools to boost daily productivity—whether debugging complex Excel formulas, drafting automated collection emails or analysing data patterns—and you hate repetitive manual tasks.
• You demonstrate extreme rigor when handling financial data impacting our P&L, combined with the proactivity needed to chase internal teams for missing information.
• You are deeply curious about the Fintech ecosystem, eager to understand the economics of Banking‑as‑a‑Service, and fluent in both French and English.

It’s okay if you don’t tick all the boxes. Don’t let imposter syndrome prevent you from applying!

Perks of being a Swanee

• Meal vouchers : we provide a meal‑voucher card to cover your meals on work days.
• Transport : monthly mobility package for employees.
• Holidays : 25 days of paid leave.
• Health insurance : Alan.
• Sports : partnership with Classpass, offering a wide range of sports and wellness activities in several European cities and online.
• Well‑being support : access to Moka Care for mental health and wellness.
• Offsite : once a year we gather to reconnect, deep‑dive into big topics and relax.
• Our diversity and inclusion commitments are important at Swan. We’re working hard to get better every day.

Recruitment process

• 30‑min call with Magdaline Antoine, Accounting Manager.
• 1‑hour interview with Magdaline Antoine.
• 1‑hour last interview with Gregory Desmaretz, CFO.

Swan is committed to providing a caring work environment for all employees, regardless of age, sex, disability, sexual orientation, race, religion or belief.

When it comes to recruitment, we’re interested in your work experience, skills and overall personality. Because diversity makes the workplace stronger and is necessary for Swan’s success, we are intensifying efforts to incorporate concrete actions to help us improve in this area.