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

Overview

Swan’s 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. You will join a high‑performing, agile team focused on scaling the financial infrastructure of a leading European Electronic Money Institution. The Finance team is composed of data‑driven, collaborative individuals who value precision, proactivity, and continuous process optimisation.

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.

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 (POs), 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 optimise 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 analyse budget variances by comparing actual performance against forecasts across various cost centres (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 the Product, Sales, and People teams to collect data and optimise financial processes. As a regulated Electronic Money Institution (EMI), we run on a culture of operational excellence, transparency, and data reliability to support Swan’s hyper‑growth.

Qualifications

• 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.
• Intermediate to advanced skills in Excel / Google Sheets, along with solid foundational knowledge of general accounting (VAT, invoicing rules, reconciliation).
• First experience (internship or apprenticeship) using modern ERP/accounting tools (Pennylane is a huge plus) or spend management platforms (Pivot, Spendesk, Payflow).
• AI‑oriented mindset, using generative AI tools for productivity, data analysis, and automation.
• Strong rigor with financial data impacting P&L, proactive in chasing internal teams for missing information.
• Curiosity about the FinTech ecosystem, banking‑as‑a‑service economics, fluent in French and English.

Perks of being a Swanee

• Meal Vouchers: a meal voucher card to cover meals on work days.
• Transport: a monthly mobility package for employees to use alternative commuting modes.
• Holidays: 25 days of paid leave.
• Health insurance: Alan, Swan’s health and welfare insurance.
• Sports: discounts on subscriptions through our partnership with Classpass.
• Well‑being support: access to Moka Care for mental health and wellness.
• Offsite: yearly gathering to reconnect, deep‑dive into big topics, and relax.

About Swan

Swan is committed to providing a caring work environment for all employees, regardless of age, sex, disability, sexual orientation, race, religion, or belief. We are intensifying efforts to incorporate concrete actions to improve diversity and inclusion. Swan’s core values guide our actions daily: Simplicity, Long Term, Excellence, and Be Human. You can find out more about our culture.