FP&A Manager – Payments & Billing

Payabli; United States; Remoto; USD 120.000 - 180.000; Tempo pieno

Descrizione del lavoro

Payabli is seeking a highly analytical FP&A Manager – Payments & Billing to join our Finance team. This role focuses on financial planning, forecasting, and strategic decision-making across the business, with emphasis on payments billing operations and embedded fintech revenue models.

You will work closely with the CFO and lead billing operations, management reporting, and strategic initiatives, developing driver-based models for GMV, take rates, and margins while partnering with Product and

Competenze

• Strong financial modeling and corporate finance skills are required.
• Experience with payments billing models and revenue economics is important.
• Ability to forecast GMV/TPV, take rate, revenue yield, and unit economics.

Mansioni

• Lead end-to-end fee billing processes for platform, SaaS, and transaction fees to ISV customers and merchants
• Manage passthrough billing workflows, reconciling network fees, interchange costs, and processor charges
• Oversee absorbed billing models and ensure accurate margin accounting across customer segments
• Administer interchange-plus billing programs, modeling buy-rate spreads and net margin at the account level
• Support billing automation initiatives in collaboration with Product & Engineering
• Prepare monthly management reporting and assist budgeting and forecasting
• Partner with Sales, Operations, and Product to understand drivers of performance and profitability

Conoscenze

Financial modeling

Corporate finance

Forecasting

Billing analytics

Pricing strategy

Partner economics

Descrizione del lavoro

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.

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