Senior Finance Business Partner

Trustly; Greater London; On-site; GBP 70,000 - 95,000; Full time

Benefits offered by this job

25 days holiday

Monthly team outing

Parental leave top up

Daily breakfast on site

Wellbeing support

Job summary

Trustly in London is seeking an experienced finance business partner to join our Commercial Finance team. You will own the COGS P&L (bank fees and hosting costs) and unit economics across the cost base, partnering with Banking, Infrastructure and Engineering to optimise margins and drive value.

You will lead monthly performance commentary and the annual planning process, build business cases for high-impact initiatives, and support the business with ad hoc financial analysis.

Qualifications

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Responsibilities

• COGS & Unit Economics: Own the COGS P&L line end to end (bank fees and hosting costs) and the unit economics across the cost base, feeding into merchant pricing models and investment cases.
• Banking Partnerships: Partner with the VP Banking Relationships on banking partnerships, driving down banking costs and identifying bank routing efficiencies, including modelling the aggregator versus direct integration breakeven.
• Cloud Economics: Partner with the VP Infrastructure on cloud cost analysis, ensuring infrastructure spend scales efficiently with usage.
• Engineering Partnership: Partner with the VP Engineering on capacity allocation and capitalised development project decisions, day to day rather than at a distance.
• Performance Commentary: Own monthly performance commentary on COGS, working with Accounting to confirm reported numbers are accurate and with the business to understand what is driving the trajectory.
• Annual Planning: Lead the annual planning process for the cost base, including banking negotiation support, bank routing efficiencies and cloud or hosting optimisation as key initiatives, then support the business through the year to track performance against plan and course correct.
• Investment decision support: Build business cases for high impact initiatives, which could include new products, regulatory permission changes in key markets, particularly in Europe, and support new product development with ad hoc financial analysis.

Skills

FP&A experience

Stakeholder management

Financial modelling

Excel/Sheets

Automation in reporting

Tools

Excel/Google Sheets

Job description

WHO WE ARE

At Trustly, we're building a smarter, faster and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed and ease to millions of consumers and merchants worldwide.

Our Ambition: To build the world's most disruptive payment network and redefine what the payment experience should feel like.

Trustly is a global team of innovators, collaborators and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial and high growth environment, join us and be part of a team that's transforming the way the world pays.

ABOUT THE ROLE

This is an opportunity for an experienced finance business partner to join our Commercial Finance team, based in our London office. You will own the COGS profit and loss line (bank fees and hosting costs) and the unit economics across the cost base, partnering closely with Banking, Infrastructure and Engineering to control and improve margins. You will lead monthly performance commentary and the annual planning process for the cost base, working closely with Accounting and the wider business.

KEY RESPONSIBILITIES

• COGS & Unit Economics: Own the COGS P&L line end to end (bank fees and hosting costs) and the unit economics across the cost base, including cost per transaction, feeding into merchant pricing models and investment cases.
• Banking Partnerships: Partner with the VP Banking Relationships on banking partnerships, driving down banking costs and identifying bank routing efficiencies, including modelling the aggregator versus direct integration breakeven.
• Cloud Economics: Partner with the VP Infrastructure on cloud cost analysis, ensuring infrastructure spend scales efficiently with usage.
• Engineering Partnership: Partner with the VP Engineering on capacity allocation and capitalised development project decisions, day to day rather than at a distance.
• Performance Commentary: Own monthly performance commentary on COGS, working with Accounting to confirm reported numbers are accurate and with the business to understand what is driving the trajectory.
• Annual Planning: Lead the annual planning process for the cost base, including banking negotiation support, bank routing efficiencies and cloud or hosting optimisation as key initiatives, then support the business through the year to track performance against plan and course correct.
• Investment decision support: Build business cases for high impact initiatives, which could include new products, regulatory permission changes in key markets, particularly in Europe, and support new product development with ad hoc financial analysis.

QUALIFICATIONS

The successful candidate will have

• 5+ years of experience in FP&A, commercial finance or a similar finance business partnering role;
• Strong stakeholder management experience, comfortable partnering with finance and non finance teams, including engineering, banking and infrastructure partners;
• Strong analytical capability, with experience building financial models and business cases;
• Proficiency in Excel or Google Sheets for modelling and analysis;
• Experience improving processes and ways of working, including bringing automation into finance reporting or planning, is a plus.

WHAT WE OFFER

At Trustly, you will have the chance to solve meaningful challenges alongside some of the brightest minds in FinTech. Together, we are shaping the future of payments in an environment that celebrates curiosity, collaboration and innovation. You will…

Our team is as diverse as the global footprint we serve. At Trustly, we foster a workplace where everyone feels they belong, a place where teamwork thrives, ideas flourish and we never forget to have fun along the way. We are proud and committed to being an Equal Opportunity Employer and believe an open and inclusive environment enables people to do their best work.

OUR FANTASTIC BENEFITS

• 25 days of holiday to support a healthy work life balance;
• Monthly team outing allowance to enjoy social events with your colleagues;
• Parental leave top up, additional support for new parents;
• Daily breakfast and on site perks to make your workday smoother;
• Wellbeing support, our health allowance covers gym memberships, massages and much more to help you feel your best;
• PLUS additional benefits designed to enhance your work life experience!

SHAPE YOUR ROLE AND MAKE AN IMPACT

Join a dynamic environment where you can take ownership, drive change and continuously embrace new challenges. We're looking for dedicated and highly motivated individuals who thrive in a fast paced environment and enjoy collaborating across different areas of the organisation.