Cash Application Analyst

About Clutch:

We’re on a mission to reinvent the way people buy, sell, and own cars. Are you game?

Clutch is Canada’s largest online used car retailer, delivering a seamless, hassle-free car buying and selling experience to drivers everywhere. Customers can browse hundreds of cars from the comfort of their home, get the right one delivered to their door, and enjoy peace of mind with our 10-Day Money-Back Guarantee… and that’s just the beginning.

Named two years in a row to the Globe & Mail’s list of the Top Growing Companies in Canada and also awarded spots on Deloitte’s Technology Fast 50™ and Fast 500™ lists, we’re looking to add curious, hard-working, and driven individuals to our growing team.

Headquartered in Toronto, Clutch was founded in 2017 and currently services Ontario, British Columbia, New Brunswick, Nova Scotia, and Prince Edward Island. Clutch is backed by a number of world-class investors, including D1 Capital, Altos Ventures, BMO Capital Partners, Canaan, Real Ventures, and others. To learn more, visit clutch.ca.

We’re growing rapidly, with in‑house re‑conditioning centres, a captive lending platform, and a national logistics network. We combine manufacturing‑grade operations with a tech-enabled consumer experience and plan to list publicly within 24–36 months, building the finance foundation to get there.

About the role:

Clutch is looking for a detail-oriented Cash Application Analyst to join our Finance & Accounting team. In this role, you will ensure the accurate and timely recording and reconciliation of payments and receivables, supporting financial integrity across all transactions. You will work closely with Finance, Sales, and Treasury teams to maintain accurate customer ledgers, monitor payments, and assist with process improvements and month-end close activities.

What you’ll do:

• Review and record sales transactions to customer ledgers, reconciling revenue daily to ensure accurate financial recording.
• Monitor payment receipts and apply payments to outstanding receivables in a timely manner.
• Collaborate with Sales and Treasury teams to coordinate receipt of funds and resolve discrepancies or past-due payments.
• Monitor customer account details for non-payment, delayed payments, and other discrepancies.
• Maintain and organize source documents to ensure accurate and complete financial records.
• Assist the Finance & Accounting team with month-end close and year-end audit requests.
• Support management on ad-hoc projects that improve and maintain the full accounting cycle and accounting functions.

What we’re looking for:

• Post-secondary education in Accounting.
• 1–2 years of experience in an accounting role, meeting tight deadlines under pressure.
• Proficiency in Excel/Google Sheets and ability to quickly learn new applications or tools.
• Excellent interpersonal and communication skills, with the ability to develop and maintain positive relationships with colleagues and vendors.
• Exceptional attention to detail and accuracy.
• Entrepreneurial mindset — proactive, resourceful, and energized by working hard to get the job done.
• Experience with Oracle Fusion is a plus.
• Comfortable working in our Downtown Toronto office at 60 Adelaide St. E.

It’d be great if you have:

• Exposure to process improvement initiatives within Finance & Accounting.
• Experience supporting a high-growth, multi-entity company.

Why you’ll love it at Clutch:

• Autonomy & ownership — create your own path and own your work.
• IPO experience — become part of a company with real growth ambitions and capital-markets readiness.
• Opportunity to work with top-of-market compensation packages and material equity.
• Above-market health & dental benefits.

Employment Type:

• New, Permanent Full-Time

Compensation & Benefits:

• Salary range: $50,000 – $60,000 annually plus stock options
• Benefits: Comprehensive healthcare, dental, vision, prescriptions, life insurance, and dependent coverage; starting from day 1.
• Pay decisions reflect skills, performance, market benchmarking, responsibilities, and working conditions.

Clutch is committed to fostering an inclusive workplace where all individuals have an opportunity to succeed. If you require accommodation at any stage of the interview process, please email talent@clutch.ca.