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 paymentsâmaking 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, Payabliâs 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
Weâd love to hear from you if you have
Bachelorâs degree in Finance, Economics, Accounting, Business Administration or a related field
3+ 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 communication skills, with the ability to present financial insights clearly to stakeholders
Preferred Qualifications:
Experience in payments, fintech, SaaS, or embedded finance
Familiarity with payments economics, including interchange, network fees, acquirer/processor pricing, and revenue share models
Experience supporting investor reporting, management / board reporting, or fundraising processes
Experience working in a high-growth startup or venture-backed company
Exposure to BI tools (Tableau, Power BI, Looker) and/or SQL
Background working with transaction-level or large-scale financial datasets
We think you'll love being part of our team because
At Payabli, youâll have a front row seat to building a high-growth venture backed fintech company. Youâll work directly with the CFO and be considered an integral part of our team. Youâll stretch yourself every day, learn a ton, grow alongside the company, and have a lot of fun building Payabli with us.
Weâre a values driven company that cares deeply about our team, partners, and customers. Our north star values are:
đ€ Team Love = Customer Love â 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.
đ„ Run to the Fire â 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 problemsâyou chase them. You volunteer for the complex, messy challenges others avoid.
đ Little Things Count â 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.
đ Truth Seekers â 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.
đ Relentlessly Curious â 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 industryâs most respected organizations, including the 2026 Forbes Fintech 50 list, which highlights the most innovative private companies in financial technology, Inc.âs 2025 Best Workplaces, and Built Inâs 2026 Best Places to Work in Miami.
Competitive salary
Stock options with the potential to unlock more equity as we grow
Flexible PTO and paid parental lea
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