Job description

Payabli is the Intelligent Fintech Operating System for software platforms. If you are a software company, you are a fintech company, and Payabli is your operating system. Built by payments industry and SaaS veterans and powered by its own models, Payabli gives platforms everything they need to embed, manage, and monetize financial services through a single developer-friendly API spanning Pay In, Pay Out, and Pay Ops. Intelligence is not a layer on top, it is the foundation, expressed through Amigo™, Payabli's native AI Agent Suite, and a growing set of capabilities that make payment operations smarter and more autonomous. Payabli gives software companies PayFac capabilities without the heavy lift, administrative burden, or cost of becoming a payment facilitator themselves. With PayFac-as-a-Service, embedded payment acceptance and issuance, and intelligent payment operations, platforms turn payments into a meaningful revenue stream while staying focused on their core product. Payabli is backed by world-class fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, and was recently named to the Forbes Fintech 50. For more information, visit payabli.com payabli.com. 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. 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 think you'll love being part of our team because At Payabli, you'll have a front row seat into building a high-growth venture backed fintech company. As a senior leader in Operations, you'll shape how the organization scales and be the driving force behind our AI-first operations strategy — directly influencing how we build, automate, and optimize for the future. 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 being named No. 43 on the 2026 Inc. 5000, marking our third consecutive year on the list. Payabli was also named to the 2026 Forbes Fintech 50, recognizing 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.

Requirements

Must-haves

Payabli is backed by world-class fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, and was recently named to the Forbes Fintech 50.
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

Nice-to-haves

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
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.

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apiaisql

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Benefits

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Dental

Vision

401k

Pto

Parental Leave