FP&A Manager – Payments & Billing

• Analyze revenue, gross margin, and contribution profit across products, customers, and partners

• Develop and lead driver-based models to forecast key metrics such as GMV / TPV, take rate, revenue yield, and unit economics

• Support scenario planning and sensitivity analyses for new products, pricing strategies, and partnerships

• Build and maintain company-wide financial and accounting statements, including monthly forecasts, annual budgets, and long-range planning

• Analyze and forecast payments revenue streams, including interchange, network fees, processor costs, and revenue share agreements

• Build models around interchange-plus, buy-rate, and blended pricing structures

• Evaluate merchant profitability, cohort performance, and partner economics

• Partner with Operations and Product teams to improve visibility into transaction-level economics and margin drivers

• Lead and own end-to-end fee billing processes, ensuring accurate and timely invoicing of platform, SaaS, and transaction fees to ISV customers and merchants

• Manage passthrough billing workflows, reconciling network fees, interchange costs, and processor charges passed through to customers at cost

• Oversee absorbed billing models, tracking costs absorbed by Payabli and ensuring accurate margin accounting across customer segments

• Administer interchange-plus billing programs for ISV customers and merchants, modeling buy-rate spreads, residual payouts, and net margin at the account level

• Support

• Collaborate with as a Product & Engineering to drive billing automation commercialization and product updates

• Prepare monthly management reporting packages, including variance analysis vs. budget/forecast

• Support quarterly and annual department level budgeting and forecasting

• Partner cross-functionally with Sales, Operations, and Product to understand drivers of performance

• Deliver insights on growth, profitability, and efficiency metrics

• Support pricing decisions, contract structuring, and strategic initiatives

• Build scalable financial models and reporting tools using Excel

• Automate reporting processes and improve data integrity across systems

• Support Financial Operations (FinOps) Team with monthly software partner residual reporting

• Partner with FinOps, Product, and Engineering teams to enhance access to financial and operational data

• Continuously improve FP&A processes, reporting cadence, and forecasting accuracy

• Bachelor’s degree in Finance, Economics, Accounting, Business Administration or a related field

• 4–5+ years of experience in payments, fintech, or embedded finance, with a strong foundation in FP&A, corporate finance, or financial operations

• Advanced Excel / financial modeling skills (complex formulas, scenario modeling, large datasets)

• Proficiency in understanding financial statements, forecasting, and budgeting

• Experience building 3-statement models, operating models, or unit economics frameworks

• Strong analytical, problem-solving, and attention-to-detail skills

• Excellent communication skills, with the ability to present financial insights clearly to stakeholders

• Experience in payments, fintech, SaaS, or embedded finance

• Familiarity with payments economics, including interchange, network fees, acquirer/processor pricing, and revenue share models

• Hands-on experience with payments billing models, including fee billing, passthrough, absorbed, and interchange-plus structures

• Experience working in a high-growth startup or venture-backed company

• Exposure to BI tools (Tableau, Power BI, Looker) and/or SQL

• Background working with transaction-level or large-scale financial datasets.

At Payabli, you’ll have a front row seat to building a high-growth venture backed fintech company. You’ll work directly with the CFO and be considered an integral part of our team. You’ll stretch yourself every day, learn a ton, grow alongside the company, and have a lot of fun building Payabli with us.

At Payabli, you'll have a front row seat into building a high-growth venture backed fintech company. As a senior leader in Operations, you'll shape how the organization scales and be the driving force behind our AI-first operations strategy — directly influencing how we build, automate, and optimize for the future. You'll stretch yourself every day, learn a ton, grow alongside the company, and have a lot of fun building Payabli with us. We're a values driven company that cares deeply about our team, partners, and customers. Our north star values are:

• Competitive salary

• Stock options with the potential to unlock more equity as we grow

• Flexible PTO and paid parental leave

• Medical, dental, & vision insurance

• 401K, HSA, pre-tax savings programs

Payabli is an equal opportunity employer and values a diverse, inclusive workplace.

Principals only. No external agency submissions. Candidates must apply directly; We will not accept submissions from third-party recruiters or staffing agencies.