FP&A Manager – Payments & Billing - Payabli

About Payabli

Payabli is a next-generation Payments Infrastructure and Monetization Platform purpose-built for vertical software companies. Through a single, developer-friendly API with low-code embedded payment components, Payabli enables platforms to seamlessly embed, monetize, and operationalize payments—making payments a core part of their platform and business model.

By unifying payment acceptance, payment issuance, and advanced payment operations tooling, Payabli empowers software companies to manage and move money through a single infrastructure stack that delivers total control over the payments experience. Built to scale with PCI DSS 4.0 and SOC 2-compliant security, Payabli’s infrastructure delivers enterprise-grade reliability and trust while leveraging AI-driven intelligence to enhance visibility, streamline operations, and drive revenue growth.

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.

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.
• Collaborate with 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.

Qualifications

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:

• 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.

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
• 401(k), HSA, pre-tax savings programs