At Alma, we believe sustainable commerce depends on fair, well-balanced trade
Because finance plays a pivotal role in business, our mission is to put it back in its rightful place — serving merchants and consumers.
</p> <p>Our installment and deferred payment solutions help merchants boost sales by 20% or more, increase customer loyalty, and deliver a seamless shopping experience — without encouraging bad debt.
</p> <p>As the buy now pay later leader in France and active in 10 European countries, we've empowered over +25,000 merchants and 10 million consumers.
</p> <p>With 380+ Almakers and €100M+ ARR in 2025, Alma is scaling rapidly across Europe as a member of the Next40, and we're just getting started!</p> <h2>👐 About the team</h2> <p>Alma is a lender.
We originate several million consumer receivables a year, carry them for a few weeks, and refinance them off a deliberately light balance sheet through securitization vehicles (Fonds Communs de Titrisation) and our other funding lines.
We are regulated as a société de financement and a payment institution.
</p> <p>That changes what "accounting" means here.
A lender's accounts are not a monthly deliverable produced at the end of a chain: <strong>they are the chain</strong>.
Every payment event, every commission, every provision, every sale of receivables to an FCT has to become a journal entry that ties — to the transaction underneath it, to the general ledger above it, and to the prudential statements the regulator reads.
At our scale and growth, this is a strategic topic, and one that is as much about data as it is about accounting.
</p> <p>Today the chain exists: an internal core banking ledger we built ourselves, feeding NetSuite, feeding regulatory reporting.
What it does not have is a single owner who understands it end-to-end, holds it to the standard a regulated lender needs, and evolves it as the business changes (geographies, products, licenses).
That is the role we are opening.