FP&A Analyst

About the role

You will own the end-to-end financial planning and analysis lifecycle for Payabli, building and maintaining company-wide financial and accounting statements that include monthly forecasts, annual budgets, and long-range planning. You will analyze revenue, gross margin, and contribution profit across our products, customers, and partners to uncover insights that drive strategy. You will develop driver-based models to forecast critical metrics such as GMV / TPV, take rate, revenue yield, and unit economics, enabling data-backed decision making. You will support scenario planning and sensitivity analyses for new products, pricing strategies, and partnerships, quantifying the financial impact of potential initiatives. You will analyze and forecast payments revenue streams, including interchange, network fees, processor costs, and revenue share agreements, ensuring clarity into the economics of our business. You will build models around interchange-plus, buy-rate, and blended pricing structures to evaluate merchant profitability and partner economics. You will partner with Operations and Product teams to improve visibility into transaction-level economics and margin drivers, translating data into actionable recommendations. You will translate complex financial data into clear, compelling narratives for executive and investor audiences, ensuring stakeholders understand performance and strategic opportunities.

Key facts

What you'll do

• 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 to identify trends and insights.
• 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.
• 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 to assess financial outcomes.
• Evaluate merchant profitability, cohort performance, and partner economics to inform strategic decisions.
• Partner with Operations and Product teams to improve visibility into transaction-level economics and margin drivers.
• Prepare monthly management reporting packages, including variance analysis versus budget and forecast.
• Support preparation of monthly and quarterly investor reporting packages with clear KPIs and variance explanations.
• Assist in financial presentations, including strategy, performance, and insights for executive and investor audiences.
• Contribute to fundraising materials, data rooms, and ad hoc investor requests, ensuring accuracy and professionalism.
• Support quarterly and annual department level budgeting and forecasting in collaboration with cross-functional stakeholders.
• Partner cross-functionally with Sales, Operations, and Product to understand performance drivers and align on goals.
• Deliver insights on growth, profitability, and efficiency metrics while supporting pricing decisions, contract structuring, and strategic initiatives.
• Build scalable financial models and reporting tools using Excel to support decision making.
• Automate reporting processes and improve data integrity across systems to enhance reliability and efficiency.
• Support Financial Operations (FinOps) Team with monthly software partner residual reporting and reconciliations.
• 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 to support high-growth ambitions.

Requirements

• 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 at a sophisticated level.
• Advanced Excel / financial modeling skills including complex formulas, scenario modeling, and large datasets.
• Experience building 3-statement models, operating models, or unit economics frameworks from scratch.
• Strong analytical, problem-solving, and attention-to-detail skills to handle complex financial scenarios.
• Excellent communication skills, with the ability to present financial insights clearly to both technical and non-technical stakeholders.
• Ability to work independently and collaboratively in a fast-paced, dynamic remote environment.
• Comfort with ambiguity and a proactive mindset to drive initiatives forward with limited direction.
• Commitment to accuracy, ownership, and timely delivery in a high-priority, growth-stage setting.
• Willingness to collaborate across functions and share financial expertise to influence product and operational decisions.
• Alignment with Payabli's mission to modernize payments infrastructure for vertical software companies.
• Professionalism and discretion in handling sensitive financial and strategic information.

Nice to have

• Experience in payments, fintech, SaaS, or embedded finance environments.
• 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 and materials.
• Experience working in a high-growth startup or venture-backed company with tight deadlines and evolving priorities.
• Exposure to BI tools (Tableau, Power BI, Looker) and/or SQL for data extraction and analysis.
• Background working with transaction-level or large-scale financial datasets to drive insights and automation.

Practical notes

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