We are seeking a highly analytical and detail-oriented FP&A Manager - Payments & Billing to join our Finance team. This role will play a critical part in financial planning, forecasting, and strategic decision-making across the business, with a strong focus on payments billing operations, fintech economics, and embedded finance revenue models. The ideal candidate combines strong financial modeling and corporate finance skills with a deep understanding of payments billing models (fee billing, passthrough billing, absorbed billing, and interchange-plus pricing for ISV customers and merchants) and thrives in a fast-paced, high-growth environment. You will work closely with leadership, including the CFO, and lead billing operations, management reporting, and strategic initiatives. In this FP&A Manager - Payments & Billing role, you will have the following key responsibilities Financial Planning & Analysis • 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 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 Payments & Billing Operations • 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 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 • 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 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 • 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. 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.