FP&A Analyst

Financial Planning & Analysis Analyst In this Financial Planning & Analysis Analyst role, you will have the following key responsibilities:Financial Planning & AnalysisBuild and maintain company-wide financial and accounting statements, including monthly forecasts, annual budgets, and long-range planningAnalyze revenue, gross margin, and contribution profit across products, customers, and partnersDevelop driver-based models to forecast key metrics such as GMV / TPV, take rate, revenue yield, and unit economicsSupport scenario planning and sensitivity analyses for new products, pricing strategies, and partnershipsPayments & Fintech EconomicsAnalyze and forecast payments revenue streams, including interchange, network fees, processor costs, and revenue share agreementsBuild models around interchange-plus, buy-rate, and blended pricing structuresEvaluate merchant profitability, cohort performance, and partner economicsPartner with Operations and Product teams to improve visibility into transaction-level economics and margin driversInvestor ReportingSupport preparation of monthly and quarterly investor reporting packagesAssist in financial presentations, including KPIs, variance analyses, and strategic insightsContribute to fundraising materials, data rooms, and ad hoc investor requestsTranslate complex financial data into clear, compelling narratives for executive and investor audiencesManagement Reporting & Business PartneringPrepare monthly management reporting packages, including variance analysis vs. budget/forecastSupport quarterly and annual department level budgeting and forecastingPartner cross-functionally with Sales, Operations, and Product to understand drivers of performanceDeliver insights on growth, profitability, and efficiency metricsSupport pricing decisions, contract structuring, and strategic initiativesData & Process ImprovementBuild scalable financial models and reporting tools using ExcelAutomate reporting processes and improve data integrity across systemsSupport Financial Operations (FinOps) Team with monthly software partner residual reportingPartner with FinOps, Product, and Engineering teams to enhance access to financial and operational dataContinuously improve FP&A processes, reporting cadence, and forecasting accuracyWe'd love to hear from you if you haveRequired: Bachelor's degree in Finance, Economics, Accounting, Business Administration or a related field5+ years of experience in corporate finance, FP&A, Big 4 accounting, investment banking, or management consultingProficiency in understanding financial statements, forecasting, and budgetingAdvanced Excel / financial modeling skills (complex formulas, scenario modeling, large datasets)Experience building 3-statement models, operating models, or unit economics frameworksStrong analytical, problem-solving, and attention-to-detail skillsExcellent communication skills, with the ability to present financial insights clearly to stakeholdersPreferred Qualifications: Experience in payments, fintech, SaaS, or embedded financeFamiliarity with payments economics, including interchange, network fees, acquirer/processor pricing, and revenue share modelsExperience supporting investor reporting, management / board reporting, or fundraising processesExperience working in a high-growth startup or venture-backed companyExposure to BI tools (Tableau, Power BI, Looker) and/or SQLBackground working with transaction-level or large-scale financial datasetsWhile the role is remote, candidates located in Seattle or Los Angeles are preferred.We think you'll love being part of our team becauseAt 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'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 problemsyou 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 the 2026 Forbes Fintech 50 list, which highlights 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 salaryStock options with the potential to unlock more equity as we growFlexible PTO and paid parental leaveMedical, dental, & vision insurance401K, HSA, pre-tax savings programsPayabli 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.