FP&A Analyst

About this role

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.

Backed by leading fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, Payabli is setting the standard for embedded payments infrastructure powering the next generation of vertical SaaS.

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.

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 i

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