FP&A Analyst

ABOUT PAYABLI Payabli is a next-generation Payments Infrastructure and Monetization Platform purpose-built for vertical software companies. Through a single, developer-friendly API with low-code embedded payment components, Payabli enables platforms to seamlessly embed, monetize, and operationalize payments—making payments a core part of their platform and business model. 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. Backed by leading fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, Payabli is setting the standard for embedded payments infrastructure powering the next generation of vertical SaaS. In this FP&A Analyst role, you will have the following key responsibilities Financial Planning & Analysis - 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 - 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 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 Investor Reporting - Support preparation of monthly and quarterly investor reporting packages - Assist in financial presentations, including KPIs, variance analyses, and strategic insights - Contribute to fundraising materials, data rooms, and ad hoc investor requests - Translate complex financial data into clear, compelling narratives for executive and investor audiences 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 - 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 - Advanced Excel / financial modeling skills (complex formulas, scenario modeling, large datasets) - Experience building 3-statement models, operating models, or unit economics frameworks - Strong analytical, problem-solving, and attention-to-detail skills - Excellent co