Junior Financial Analyst Apprenticeship (Accounting & FP&A)

Swan is Europes embedded banking specialist. We empower software companies to embed banking features like accounts cards and payments directly into their products under their own processes over 1.5 billion in monthly transactions for more than 150 companieslike 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. Theyre on a mission to become the central hub for managing every aspect of business life.

But when it comes to financial workflows theres 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.

Its a missed opportunity. Business software shouldnt just record financial activity it should run it.

To learn more about us: About Swan ; Our story.

Swans Finance team is looking for a structured and analytical Corporate Finance Apprentice to secure our financial and accounting basics and support the companys 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 Swans 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 Swans hyper-growth.

• You are currently pursuing a Masters 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 productivitywhether its 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.

Its okay if you dont tick all the boxes dont 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 were interested in your work experience skills and overall personality. Because diversity makes the workplace stronger and is necessary for Swans 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 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: Alan. This is Swans health and welfare insurance.

• Sports: Thanks to our partnership with Classpass 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 Moka Care for mental health and wellness.

• Offsite: Once a year we gather to reconnect deep-dive into big topics and relax.

• This isnt a perk it should be the rule but diversity and inclusion are important at Swan. Were working hard to get better every day.

Swans 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 somethings 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 its 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 culture.

• 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