FP&A Analyst

Payabli

$90K — $120K *
US-Anywhere
+ 2 other locationsRemote
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in Finance, Economics, Accounting, Business Administration or a related field.
  • 5+ years of experience in corporate finance, FP&A, Big 4 accounting, investment banking, or management consulting.
  • Proficiency in understanding financial statements, forecasting, and budgeting.
  • Advanced Excel / financial modeling skills (complex formulas, scenario modeling, large datasets).
  • Experience building 3-statement models, operating models, or unit economics frameworks.
  • Strong analytical, problem-solving, and attention-to-detail skills.
  • Excellent communication skills to present financial insights clearly to stakeholders.

Responsibilities

  • Build and maintain financial statements, forecasts, budgets, and long-range plans.
  • Analyze revenue, gross margin, and contribution profit across various dimensions.
  • Develop driver-based models for forecasting key metrics like GMV and revenue yield.
  • Support scenario planning and sensitivity analyses for product and pricing strategies.
  • Analyze and forecast payments revenue streams including interchange and processor costs.
  • Build models around various pricing structures and evaluate merchant profitability.
  • Prepare monthly and quarterly investor reporting packages and assist in financial presentations.

Benefits

  • Stock options with the potential to unlock more equity as the company grows.
  • Flexible PTO and paid parental leave.
  • Medical, dental, & vision insurance.
  • 401K, HSA, pre-tax savings programs.
Full Job Description
In this FP&A Analyst role, you will have the following key responsibilities

Financial Planning & Analysis
  • Build and maintain company-wide financial and accounting statements, including monthly forecasts, annual budgets, and long-range planning
  • Analyze revenue, gross margin, and contribution profit across products, customers, and partners
  • Develop 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


Payments & Fintech Economics
  • 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


Investor Reporting
  • Support preparation of monthly and quarterly investor reporting packages
  • Assist in financial presentations, including KPIs, variance analyses, and strategic insights
  • Contribute to fundraising materials, data rooms, and ad hoc investor requests
  • Translate complex financial data into clear, compelling narratives for executive and investor audiences


Management Reporting & Business Partnering
  • 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


Data & Process Improvement
  • 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


We'd love to hear from you if you have

Required:
  • Bachelor's degree in Finance, Economics, Accounting, Business Administration or a related field
  • 5+ years of experience in corporate finance, FP&A, Big 4 accounting, investment banking, or management consulting
  • Proficiency in understanding financial statements, forecasting, and budgeting
  • Advanced Excel / financial modeling skills (complex formulas, scenario modeling, large datasets)
  • 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


Preferred Qualifications:
  • Experience in payments, fintech, SaaS, or embedded finance
  • Familiarity with payments economics, including interchange, network fees, acquirer/processor pricing, and revenue share models
  • Experience supporting investor reporting, management / board reporting, or fundraising processes
  • 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


While the role is remote, candidates located in Seattle or Los Angeles are preferred.

What we can offer you
  • 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


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

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