Junior Financial Analyst - Apprenticeship Accounting & Fp&A - Swan.Io H/F - Swan.io

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).

Our mission

Banking belongs in business software

Many software companies already serve small businesses incredibly well: helping them send invoices, run payroll, manage inventory, and more. They're on a mission to become the central hub for managing every aspect of business life.

But when it comes to financial workflows, there's still a gap. Too many critical tasks like managing cash flow, tracking payments, or reconciling accounts happen outside the software, across spreadsheets, email threads, banking portals.

It's a missed opportunity. Business software shouldn't just record financial activity - it should run it.

To learn more about us: ; .

Job description

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 optimization.

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 (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 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 the Product, Sales, and People teams to collect data and optimize 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.

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, specializing 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 a first 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 your daily productivity-whether it's debugging complex Excel formulas, drafting automated collection emails, or analyzing data patterns. You hate repetitive manual tasks and always look for tech-driven ways to optimize your workflow
- 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!

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.

About Swan

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. In accordance with the company agreement for sustainable mobilities, you can now use your mobility package to pay for alternative commuting modes.
- Holidays: 25 days of paid leave.
- Health insurance: . This is Swan's health and welfare insurance.
- Sports: Thanks to our partnership with , you can enjoy advantageous discounts on subscriptions. They offer a wide range of sports activities as well as wellness activities. The offers are valid in several European cities, as well as online.
- Well-being support: access to for mental health and wellness.
- Offsite: Once a year we gather to reconnect, deep-dive into big topics, and relax.
- This isn't a perk, it should be the rule, but diversity and inclusion are important at Swan. We're working hard to get better every day.

Our values:

Swan's core values guide our actions daily. Individually, they may seem obvious, but together, they form a unique culture.

Simplicity: Leonardo Da Vinci said: simplicity is the ultimate sophistication. If something's convoluted or confusing, we work extra hard to break it down. - Making complex things simple is what we do.

Long Term: We always play the long game, whether it's to support our partners in their growth journey, or make tangible commitments to climate action.

Excellence: We are a team of experts who consistently go all out to create pixel-perfect banking services and exceed our partners' expectations- whatever it takes.

Be Human: We believe in the power of kindness and the importance of acting with integrity. But embracing our humanity extends beyond interpersonal interactions, it means caring about greater issues that affect our planet.

You can find out more about our .

Recruitment process

- A 30-min call with our Magdaline Antoine, Accounting Manager, to get to know you, understand your career expectations and answer your questions
- A 1 hour interview with Magdaline Antoine, to go deeper into the discussions
- A 1 hour last interview with Gregory Desmaretz, CFO, about our culture fit

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).

Banking belongs in business software

Many software companies already serve small businesses incredibly well: helping them send invoices, run payroll, manage inventory, and more. They're on a mission to become the central hub for managing every aspect of business life.

But when it comes to financial workflows, there's still a gap. Too many critical tasks like managing cash flow, tracking payments, or reconciling accounts happen outside the software, across spreadsheets, email threads, banking portals.

It's a missed opportunity. Business software shouldn't just record financial activity - it should run it.

To learn more about us: ; .

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 optimization.

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 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.

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 optimize 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.

- You are currently pursuing a Master's degree (Year 1 or 2) from a Business School, IAE, or University, specializing 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 a first 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 your daily productivity-whether it's debugging complex Excel formulas, drafting automated collection emails, or analyzing data patterns. You hate repetitive manual tasks and always look for tech-driven ways to optimize your workflow
- 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!

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.

- Meal Vouchers: We provide a meal voucher card to cover your meals on work days.
- Transport:Monthly mobility package for employees. In accordance with the company agreement for sustainable mobilities, you can now use your mobility package to pay for alternative commuting modes.
- Holidays: 25 days of paid leave.
- Health insurance: . This is Swan's health and welfare insurance.
- Sports: Thanks to our partnership with , you can enjoy advantageous discounts on subscriptions. They offer a wide range of sports activities as well as wellness activities. The offers are valid in several European cities, as well as online.
- Well-being support: access to for mental health and wellness.
- Offsite: Once a year we gather to reconnect, deep-dive into big topics, and relax.
- This isn't a perk, it should be the rule, but diversity and inclusion are important at Swan. We're working hard to get better every day.

Swan's core values guide our actions daily. Individually, they may seem obvious, but together, they form a unique culture.

Simplicity: Leonardo Da Vinci said: simplicity is the ultimate sophistication. If something's convoluted or confusing, we work extra hard to break it down. - Making complex things simple is what we do.

Long Term: We always play the long game, whether it's to support our partners in their growth journey, or make tangible commitments to climate action.

Excellence: We are a team of experts who consistently go all out to create pixel-perfect banking services and exceed our partners' expectations- whatever it takes.

Be Human: We believe in the power of kindness and the importance of acting with integrity. But embracing our humanity extends beyond interpersonal interactions, it means caring about greater issues that affect our planet.

You can find out more about our .

- A 30-min call with our Magdaline Antoine, Accounting Manager, to get to know you, understand your career expectations and answer your questions
- A 1 hour interview with Magdaline Antoine, to go deeper into the discussions
- A 1 hour last interview with Gregory Desmaretz, CFO, about our culture fit