FP&A Analyst

Payabli•Miami, FL

31d

About The Position

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

Requirements

Bachelor’s 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

Nice To Haves

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

Responsibilities

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
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
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
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
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