Senior FP&A & COGS Partner – Banking, Cloud & Eng

Risk Hub; 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

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.