财务规划与分析经理 – 支付与账单
FP&A Manager – Payments & Billing
### 关于 Payabli
Payabli 是一个面向垂直软件公司的下一代支付基础设施和货币化平台。通过单一、开发者友好的 API 和低代码嵌入式支付组件，Payabli 使平台能够无缝嵌入、货币化和运营支付，将支付变成其平台和商业模式的核心部分。
通过统一支付接收、支付发行和高级支付操作工具，Payabli 使软件公司能够通过一个统一的基础设施堆栈来管理和转移资金，从而实现对支付体验的全面控制。该平台符合 PCI DSS 4.0 和 SOC 2 合规性要求，提供企业级的可靠性和信任度，并利用人工智能驱动的智能来增强可见性、简化运营并推动收入增长。
我们正在寻找一位高度分析能力和注重细节的 FP&A 经理 – 支付与计费，加入我们的财务团队。该职位将在整个业务的财务规划、预测和战略决策中发挥关键作用，重点关注支付计费运营、金融科技经济学和嵌入式金融收入模型。
理想的候选人具备强大的财务建模和公司财务技能，同时深入理解支付计费模式（费用计费、转售计费、吸收计费以及 ISV 客户和商户的互换加价定价），并在快节奏、高增长的环境中表现出色。您将与领导层密切合作，包括首席财务官，并负责计费运营、管理报告和战略计划。
**在 FP&A 经理 – 支付与计费这一职位中，您将承担以下主要职责**
**财务规划与分析**
- 分析产品、客户和合作伙伴的收入、毛利和贡献利润
- 开发并主导基于驱动因素的模型，预测关键指标，如 GMV/TPV、抽成率、收入收益率和单位经济性
- 支持新产品、定价策略和合作伙伴关系的情景规划和敏感性分析
- 建立并维护公司范围内的财务和会计报表，包括月度预测、年度预算和长期规划
**支付与金融科技经济学**
- 分析和预测支付收入流，包括互换费用、网络费用、处理器成本和收入分成协议
- 构建围绕互换加价、买价、按订单计费等模型
查看英文原文
### 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.
**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
**We think you'll love being part of our team because**
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.
We’re a values driven company that cares deeply about our team, partners, and customers. Our north star values are:
**🤝 Team Love = Customer Love** — You understand that when you build great products for your internal partners, they deliver exceptional experiences to merchants. You obsess over the platform partners and businesses that depend on every payout landing on time.
**🔥 Run to the Fire** — When ACH returns spike or a card program hits a snag, you're the first one in the war room. You don't shy away from hard problems—you chase them. You volunteer for the complex, messy challenges others avoid.
**🔍 Little Things Count** — You sweat the details because you know a single decimal error in a payout can damage a business. You double-check edge cases, validate every assumption, and understand that excellence lives in the details.
**💎 Truth Seekers** — You give direct feedback, receive it with grace, and never let ego get in the way of finding the right answer. You document what you don't know, admit mistakes quickly, and hold yourself accountable in the open.
**🚀 Relentlessly Curious** — You're constantly asking "what if?" and "why not?" You study how competitors solve problems, explore adjacent industries for inspiration, and never stop learning about the payments ecosystem.
We build technology that gets noticed and a workplace where people want to grow their careers.. Our work has been recognized by some of the industry’s most respected organizations, including the **2026 Forbes Fintech 50 list**, which highlights the most innovative private companies in financial technology, **Inc.’s 2025 Best Workplaces**, and **Built In’s 2026 Best Places to Work in Miami.**
### **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
**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.