FP&A Analyst II

PayNearMe • Santa Clara, CA

15h • $85,000 - $115,000

About The Position

At PayNearMe, we’re on a mission to make paying and getting paid as simple as possible. We build innovative technology that transforms the way businesses and their customers experience payments. Our industry-leading platform, PayXM™, is the first of its kind—designed to manage the entire payment experience from start to finish. Every click, swipe or tap is seamless, fast and secure, helping non-commerce businesses boost customer satisfaction, accelerate payments, and reduce costs. Our single platform handles it all: cards, ACH, digital wallets such as PayPal, Venmo, Cash App Pay, Apple Pay and Google Pay, and even cash at more than 62,000 retail locations nationwide. Today, thousands of businesses across consumer lending, iGaming and online sports betting, property management, and tolling trust PayNearMe to deliver a payment experience that drives real results. In September 2025, we raised a $50 million Series E funding round to accelerate our growth. We’re a team of 200+ employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ. Join us and be part of a team that’s shaping the future of payments—one experience at a time. Job Description PayNearMe is seeking a highly analytical and collaborative FP&A Analyst II to support our operating expense (OpEx) and cost of goods sold (COGS) planning, forecasting, and reporting processes. This role will be a key contributor within the FP&A team, with a strong emphasis on hands-on Adaptive Planning work, OpEx budgeting and forecasting, and partnership with Accounting, Engineering, and business leaders. This position is ideal for someone who enjoys working deeply in financial models, maintaining forecasting accuracy, and translating business and operational drivers into clear financial insights in a fast-growing fintech environment.

Requirements

• 3–7+ years of experience in FP&A, Corporate Finance, or related roles
• Hands-on experience with Adaptive Planning (Adaptive Insights) — required
• Working knowledge of financial and operational systems, including Sage Intacct (ERP), HiBob (HRIS), and Looker (reporting/analytics)
• Strong experience with OpEx budgeting, forecasting, and variance analysis
• Advanced Excel / Google Sheets skills; ability to work with large datasets
• Experience building and maintaining driver-based financial models
• Strong executive-level communication skills, with the ability to clearly and confidently partner with budget owners, senior leaders, and C‑suite stakeholders

Nice To Haves

• Experience supporting Engineering, Technology, or Infrastructure-heavy teams
• Exposure to COGS forecasting in a SaaS, payments, or fintech environment
• Familiarity with cloud cost drivers (e.g., AWS, Datadog)
• Interest in improving planning processes and financial tooling

Responsibilities

• Maintain and enhance Adaptive Planning models for OpEx, headcount, and select COGS-related expenses
• Update and manage driver-based models (e.g., headcount, transaction volumes, infrastructure usage)
• Ensure assumptions are accurate, documented, and aligned with business inputs
• Perform monthly headcount maintenance by reconciling HRIS and Adaptive data (new hires, terminations, transfers, compensation changes, and department mapping) and partner closely with People Ops to ensure alignment on hiring status
• Own and monitor the ERP → Adaptive integration, ensuring data flows correctly and resolving issues when integrations fail
• Support annual budget, reforecast, and long-range planning cycles for OpEx across multiple departments
• Partner with budget owners to gather inputs, review forecasts, and understand changes in spend
• Track one-time costs, vendor expenses, and reclasses to ensure accurate forecasting and reporting
• Actively support the month-end close process by reviewing expenses during soft close, identifying reclasses, and partnering with Accounting to ensure accuracy of expenses, vendor costs, accruals, and allocations prior to final close
• Prepare monthly variance analysis (actuals vs. budget/forecast) and clearly explain key drivers
• Support forecasting and analysis of transaction-driven costs, including cloud infrastructure, data platforms, and third-party vendors
• Partner closely with Engineering and Operations to understand cost drivers such as transaction volumes, API calls, and bulk file usage, and identify opportunities to optimize these costs
• Track and share monthly COGS and infrastructure cost trends, ensuring alignment with Engineering, Accounting, and FP&A and proactively flagging emerging risks or changes
• Partner with Accounting to ensure accurate expense classification on the P&L, including evaluating new vendors and determining appropriate OpEx vs. COGS treatment with clear supporting rationale
• Support ongoing efforts to refine COGS definitions, forecasting methodologies, and reporting clarity
• Act as a finance partner to Engineering, Product, Operations, and G&A teams
• Translate financial results and forecasts into clear, concise insights for non-finance stakeholders
• Ensure consistency and accuracy between internal management reporting and external-facing materials
• Partner with stakeholders to confirm spend aligns with budget, forecast, and business need, and ensure approved contracts are accurately reflected in financial plans
• Identify opportunities to improve forecasting accuracy, model structure, and planning processes
• Support strategic finance initiatives, including vendor analysis, tooling improvements, and growth-related analysis
• Assist with special projects as the business scales

Benefits

• Competitive salary and benefits with growth-company options grant
• Fast- paced and professional work culture
• Stock options with standard startup vesting - 1 year cliff; 4 years total
• $50 monthly communication expense stipend to go towards your phone/internet bill
• $250 stipend to enhance your WFH setup
• Reimbursement for peripheral equipment: monitor (up to $400), keyboard and mouse (up to $200)
• Premium medical benefits including vision and dental (100% coverage for employees)
• Company-sponsored life and disability insurance
• Paid parental bonding leave
• Paid sick leave, jury duty, bereavement
• 401k plan
• Flexible Time Off (our team members typically take off ~3-4 weeks per year)
• Volunteer Time Off
• 13 scheduled holidays

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed